Escanaba, MI · Charter 4291
NCUA · 3 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 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 in MI (n=56). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
4
Asset Quality
37
Profitability
40
Liquidity
0
Efficiency
48
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.
Escanaba, MI · Charter 4291
NCUA · 3 branches
Q2 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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.61% | 0.74% | 0.79% | 0.76% | 0.73% | +13 bps | |
| Return on Equity | 7.03% | 8.53% | 8.85% | 8.60% | 8.11% | +108 bps | |
| Net Interest Margin | 3.54% | 3.60% | 3.71% | 3.94% | 4.04% | +50 bps | |
| Efficiency Ratio | 78.06% | 74.73% | 73.79% | 75.02% | 73.34% | -472 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 4.02% | 7.20% | 7.17% | 7.35% | 6.17% | +215 bps | |
| Loan Growth (YoY) | 7.39% | 9.63% | 8.06% | 6.53% | 6.90% | -49 bps | |
| Share Growth (YoY) | 3.95% | 6.90% | 6.44% | 6.84% | 5.38% | +143 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.42% | 0.69% | 1.00% | 0.82% | 0.94% | +52 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 | 8.62% | 8.73% | 8.88% | 8.85% | 9.03% | +41 bps | |
| Net Worth / Assets | 8.62% | 8.73% | 8.88% | 8.85% | 9.03% | +41 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 89.95% | 90.41% | 89.51% | 86.92% | 91.25% | +130 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Escanaba, MI · Charter 4291 · Peer group: credit unions under $1B in assets in MI (n=56)
NCUA · 3 branches
Q2 2026
Return on Assets
0.73%
Rank 44 of 56
Net Interest Margin
4.04%
Rank 24 of 56
Efficiency Ratio
73.34%
Rank 30 of 56
Equity / Assets
9.03%
Rank 54 of 56
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.73% | 0.74% | 1.15% | 1.47% | Beats 21% | 44 / 56 | |
| Return on Equity | 8.11% | 6.40% | 9.29% | 11.51% | Beats 43% | 32 / 56 | |
| Net Interest Margin | 4.04% | 3.40% | 3.92% | 4.36% | Beats 57% | 24 / 56 | |
| Efficiency Ratio | 73.34% | 65.99% | 72.16% | 78.25% | Beats 48% | 30 / 56 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.94% | 0.49% | 0.84% | 1.28% | Beats 37% | 36 / 56 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 9.03% | 10.20% | 12.14% | 14.32% | Beats 4% | 54 / 56 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 9.03% | 10.20% | 12.14% | 14.32% | Beats 4% | 54 / 56 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 91.25% | 52.28% | 65.96% | 76.17% | 96th pctl | 2 / 56 | |
| Loans / Assets | 82.35% | 45.34% | 56.55% | 67.04% | 98th pctl | 1 / 56 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||