Newberry, MI · Charter 60423
NCUA · 2 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
46
Asset Quality
70
Profitability
8
Liquidity
0
Efficiency
5
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.
Newberry, MI · Charter 60423
NCUA · 2 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 | 0.17% | 0.11% | 0.36% | 0.17% | 0.05% | 0.31% | 0.22% | 0.17% | 0 bps | |
| Return on Equity | 1.50% | 1.00% | 2.91% | 1.35% | 0.38% | 2.54% | 1.78% | 1.43% | +8 bps | |
| Net Interest Margin | 2.93% | 2.97% | 3.01% | 2.89% | 2.83% | 2.90% | 3.04% | 3.02% | +13 bps | |
| Efficiency Ratio | 98.89% | 98.95% | 89.05% | 94.19% | 96.45% | 91.36% | 93.35% | 92.68% | -151 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.40% | 0.98% | -5.28% | -4.74% | -4.53% | -3.78% | 3.58% | 6.35% | +1,109 bps | |
| Loan Growth (YoY) | 1.33% | -1.48% | -3.81% | -0.35% | -1.08% | 4.66% | 5.06% | 4.79% | +514 bps | |
| Share Growth (YoY) | -3.57% | 4.67% | -7.29% | -7.79% | -6.01% | -6.47% | 3.54% | 5.82% | +1,361 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.79% | 1.34% | 1.07% | 1.32% | 1.25% | 0.98% | 1.19% | 0.60% | -72 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 | 11.67% | 11.48% | 12.37% | 12.37% | 12.12% | 12.12% | 12.15% | 11.84% | -53 bps | |
| Net Worth / Assets | 11.67% | 11.48% | 12.37% | 12.37% | 12.12% | 12.12% | 12.15% | 11.84% | -53 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 40.67% | 39.14% | 42.22% | 43.92% | 42.81% | 43.80% | 42.84% | 43.49% | -43 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Newberry, MI · Charter 60423 · Peer group: credit unions under $1B in assets in MI (n=56)
NCUA · 2 branches
Q2 2026
Return on Assets
0.17%
Rank 52 of 56
Net Interest Margin
3.02%
Rank 50 of 56
Efficiency Ratio
92.68%
Rank 54 of 56
Equity / Assets
11.84%
Rank 30 of 56
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.17% | 0.74% | 1.15% | 1.47% | Beats 7% | 52 / 56 | ||
| Return on Equity | 1.43% | 6.40% | 9.29% | 11.51% | Beats 5% | 53 / 56 | ||
| Net Interest Margin | 3.02% | 3.40% | 3.92% | 4.36% | Beats 11% | 50 / 56 | ||
| Efficiency Ratio | 92.68% | 65.99% | 72.16% | 78.25% | Beats 5% | 54 / 56 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.60% | 0.49% | 0.84% | 1.28% | Beats 70% | 18 / 56 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 11.84% | 10.20% | 12.14% | 14.32% | Beats 46% | 30 / 56 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 11.84% | 10.20% | 12.14% | 14.32% | Beats 46% | 30 / 56 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 43.49% | 52.28% | 65.96% | 76.17% | 9th pctl | 51 / 56 | ||
| Loans / Assets | 38.90% | 45.34% | 56.55% | 67.04% | 11th pctl | 50 / 56 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||