PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Peninsula

Escanaba, MI · Charter 4291

NCUA · 3 branches

Q2 2026

$355.7MAssets
$292.9MLoans
$321.0MShares
$32.1MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.73%, up 13 bps year over year; NIM at 4.04%.
  • Asset quality: problem loans at 0.94% of loans (+52 bps YoY).
  • Capital: net worth / assets of 9.03%, up 41 bps from a year ago.
  • Funding: loans stand at 91.25% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.73%+13 bps YoY

Net Interest Margin (YTD, annualized)

4.04%+50 bps YoY

Efficiency Ratio (YTD, annualized)

73.34%-472 bps YoY

Net Worth / Assets

9.03%+41 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.61%0.74%0.79%0.76%0.73%+13 bps
Return on Equity7.03%8.53%8.85%8.60%8.11%+108 bps
Net Interest Margin3.54%3.60%3.71%3.94%4.04%+50 bps
Efficiency Ratio78.06%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 / Loans0.42%0.69%1.00%0.82%0.94%+52 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital8.62%8.73%8.88%8.85%9.03%+41 bps
Net Worth / Assets8.62%8.73%8.88%8.85%9.03%+41 bps
Liquidity & Funding
Loans / Shares89.95%90.41%89.51%86.92%91.25%+130 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps