Kingsford, MI · Charter 5660
NCUA · 1 branch
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
91
Asset Quality
93
Profitability
59
Liquidity
0
Efficiency
87
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.
Kingsford, MI · Charter 5660
NCUA · 1 branch
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 | 1.97% | 2.00% | 1.94% | 1.57% | 1.66% | -31 bps | |
| Return on Equity | 11.78% | 11.50% | 11.06% | 9.06% | 9.29% | -249 bps | |
| Net Interest Margin | 4.23% | 4.26% | 4.17% | 3.74% | 3.80% | -42 bps | |
| Efficiency Ratio | 57.94% | 57.96% | 58.28% | 61.89% | 60.79% | +284 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 3.27% | 2.75% | 3.32% | 4.46% | 3.89% | +62 bps | |
| Loan Growth (YoY) | 0.59% | 0.59% | 0.84% | -2.34% | -3.12% | -371 bps | |
| Share Growth (YoY) | 1.78% | 0.84% | 1.52% | 3.04% | 2.47% | +69 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.28% | 0.23% | 0.29% | 0.22% | 0.18% | -10 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 | 16.72% | 17.35% | 17.58% | 17.31% | 17.86% | +114 bps | |
| Net Worth / Assets | 16.72% | 17.35% | 17.58% | 17.31% | 17.86% | +114 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 30.29% | 31.36% | 30.53% | 28.37% | 28.64% | -165 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Kingsford, MI · Charter 5660 · Peer group: credit unions under $1B in assets in MI (n=56)
NCUA · 1 branch
Q2 2026
Return on Assets
1.66%
Rank 11 of 56
Net Interest Margin
3.80%
Rank 29 of 56
Efficiency Ratio
60.78%
Rank 8 of 56
Equity / Assets
17.86%
Rank 5 of 56
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.66% | 0.74% | 1.15% | 1.47% | Beats 80% | 11 / 56 | |
| Return on Equity | 9.29% | 6.40% | 9.29% | 11.51% | Beats 50% | 28 / 56 | |
| Net Interest Margin | 3.80% | 3.40% | 3.92% | 4.36% | Beats 48% | 29 / 56 | |
| Efficiency Ratio | 60.78% | 65.99% | 72.16% | 78.25% | Beats 87% | 8 / 56 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.18% | 0.49% | 0.84% | 1.28% | Beats 93% | 5 / 56 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 17.86% | 10.20% | 12.14% | 14.32% | Beats 91% | 5 / 56 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 17.86% | 10.20% | 12.14% | 14.32% | Beats 91% | 5 / 56 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 28.64% | 52.28% | 65.96% | 76.17% | 2nd pctl | 55 / 56 | |
| Loans / Assets | 23.34% | 45.34% | 56.55% | 67.04% | 2nd pctl | 55 / 56 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||