Battle Creek, MI · Charter 60105
NCUA · 13 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
84
Asset Quality
57
Profitability
80
Liquidity
93
Efficiency
86
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.
Battle Creek, MI · Charter 60105
NCUA · 13 branches
Q2 2026
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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.97% | 1.52% | 1.66% | 1.47% | 1.51% | 1.33% | 1.64% | 1.71% | +23 bps | |
| Return on Equity | 11.81% | 9.26% | 10.20% | 8.98% | 9.00% | 8.20% | 10.21% | 10.45% | +148 bps | |
| Net Interest Margin | 4.27% | 4.05% | 4.50% | 4.56% | 4.64% | 4.26% | 4.65% | 4.68% | +12 bps | |
| Efficiency Ratio | 60.66% | 65.74% | 64.08% | 66.00% | 66.47% | 69.24% | 63.09% | 62.70% | -330 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.17% | -1.85% | 1.27% | 3.27% | 5.22% | 8.68% | 8.49% | 9.10% | +583 bps | |
| Loan Growth (YoY) | 8.03% | 8.04% | 6.10% | 5.11% | 5.17% | 5.17% | 7.10% | 7.78% | +267 bps | |
| Share Growth (YoY) | -4.37% | -1.64% | 1.01% | 3.59% | 5.15% | 7.25% | 7.57% | 8.51% | +492 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.85% | 1.19% | 0.93% | 0.91% | 1.04% | 0.78% | 0.73% | 0.75% | -16 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 16.66% | 16.45% | 16.24% | 16.43% | 16.82% | 16.28% | 16.10% | 16.32% | -11 bps | |
| Net Worth / Assets | 16.66% | 16.45% | 16.24% | 16.43% | 16.82% | 16.28% | 16.10% | 16.32% | -11 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 69.22% | 70.16% | 66.62% | 67.37% | 69.23% | 68.80% | 66.33% | 66.92% | -45 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Battle Creek, MI · Charter 60105 · Peer group: credit unions under $1B in assets in MI (n=56)
NCUA · 13 branches
Q2 2026
Return on Assets
1.71%
Rank 8 of 56
Net Interest Margin
4.68%
Rank 6 of 56
Efficiency Ratio
62.70%
Rank 9 of 56
Equity / Assets
16.32%
Rank 9 of 56
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.71% | 0.74% | 1.15% | 1.47% | Beats 86% | 8 / 56 | ||
| Return on Equity | 10.45% | 6.40% | 9.29% | 11.51% | Beats 66% | 19 / 56 | ||
| Net Interest Margin | 4.68% | 3.40% | 3.92% | 4.36% | Beats 89% | 6 / 56 | ||
| Efficiency Ratio | 62.70% | 65.99% | 72.16% | 78.25% | Beats 86% | 9 / 56 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.75% | 0.49% | 0.84% | 1.28% | Beats 57% | 25 / 56 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 16.32% | 10.20% | 12.14% | 14.32% | Beats 84% | 9 / 56 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 16.32% | 10.20% | 12.14% | 14.32% | Beats 84% | 9 / 56 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 66.92% | 52.28% | 65.96% | 76.17% | 54th pctl | 26 / 56 | ||
| Loans / Assets | 55.98% | 45.34% | 56.55% | 67.04% | 46th pctl | 30 / 56 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||