Bay City, MI · Charter 24874
NCUA · 3 branches
Q1 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2026, the quarter ended March 31, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Credit unions under $1B in assets (n=1,674 to 1,677). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
42
Asset Quality
89
Profitability
13
Liquidity
37
Efficiency
7
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Bay City, MI · Charter 24874
NCUA · 3 branches
Q1 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.23% | 0.35% | 0.46% | 0.61% | -0.10% | -33 bps | |
| Return on Equity | 1.96% | 3.01% | 3.89% | 5.13% | -0.84% | -279 bps | |
| Net Interest Margin | 2.89% | 2.86% | 2.91% | 2.94% | 3.03% | +14 bps | |
| Efficiency Ratio | 92.26% | 89.58% | 87.02% | 82.56% | 103.46% | +1,120 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -4.20% | -1.20% | 0.72% | 0.48% | 2.99% | +718 bps | |
| Loan Growth (YoY) | -4.69% | -9.06% | -8.90% | -5.39% | -6.11% | -143 bps | |
| Share Growth (YoY) | -4.91% | -2.01% | -0.86% | -1.66% | 1.84% | +675 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.11% | 0.16% | 0.21% | 0.46% | 0.05% | -6 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | |||||||
| Risk-Based Capital | 11.75% | 11.54% | 11.78% | 11.98% | 11.89% | +14 bps | |
| Net Worth / Assets | 11.75% | 11.54% | 11.78% | 11.98% | 11.89% | +14 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 53.83% | 51.13% | 51.61% | 52.33% | 49.62% | -420 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Bay City, MI · Charter 24874 · Peer group: credit unions under $1B in assets (n=1,674-1,677)
NCUA · 3 branches
Q1 2026
Return on Assets
-0.10%
Rank 1,474 of 1,677
Net Interest Margin
3.03%
Rank 1,403 of 1,676
Efficiency Ratio
103.44%
Rank 1,552 of 1,674
Equity / Assets
11.89%
Rank 978 of 1,676
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.10% | 0.29% | 0.71% | 1.15% | Beats 12% | 1,474 / 1,677 | |
| Return on Equity | -0.84% | 2.30% | 5.46% | 8.75% | Beats 12% | 1,477 / 1,674 | |
| Net Interest Margin | 3.03% | 3.27% | 3.78% | 4.29% | Beats 16% | 1,403 / 1,676 | |
| Efficiency Ratio | 103.44% | 69.04% | 78.86% | 87.73% | Beats 7% | 1,552 / 1,674 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.04% | 0.23% | 0.59% | 1.15% | Beats 89% | 187 / 1,675 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 11.89% | 10.32% | 12.68% | 16.26% | Beats 42% | 979 / 1,677 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 11.89% | 10.32% | 12.68% | 16.26% | Beats 42% | 978 / 1,676 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 49.62% | 52.64% | 68.65% | 82.42% | 22nd pctl | 1,309 / 1,676 | |
| Loans / Assets | 41.49% | 44.39% | 58.63% | 70.08% | 21st pctl | 1,325 / 1,676 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||