Bay City, MI · Charter 60470
NCUA · 3 branches
Q2 2025
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2025, the quarter ended June 30, 2025, 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 (n=1,656 to 1,659). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
7
Asset Quality
12
Profitability
16
Liquidity
3
Efficiency
8
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.
Bay City, MI · Charter 60470
NCUA · 3 branches
Q2 2025
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 2023 | Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.50% | -0.39% | -0.64% | -0.33% | 0.52% | 0.77% | 0.07% | 0.08% | +41 bps | |
| Return on Equity | -5.96% | -4.51% | -9.29% | -4.65% | 6.42% | 8.98% | 0.86% | 0.93% | +558 bps | |
| Net Interest Margin | 2.97% | 2.97% | 2.56% | 2.64% | 2.87% | 2.99% | 3.09% | 3.12% | +48 bps | |
| Efficiency Ratio | 110.36% | 106.67% | 106.18% | 97.09% | 76.43% | 71.90% | 97.39% | 97.68% | +60 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.81% | -5.90% | -4.36% | -3.96% | -6.24% | -7.25% | -8.10% | -5.94% | -197 bps | |
| Loan Growth (YoY) | 12.07% | -0.88% | -10.74% | -12.34% | -14.58% | -17.76% | -19.83% | -20.37% | -803 bps | |
| Share Growth (YoY) | -3.97% | -4.83% | -3.14% | -3.10% | -7.78% | -8.49% | -10.91% | -8.68% | -558 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.32% | 1.37% | 1.63% | 1.29% | 2.91% | 2.26% | 1.74% | 2.11% | +83 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 | 8.47% | 8.59% | 6.90% | 7.03% | 8.03% | 8.60% | 8.43% | 8.41% | +138 bps | |
| Net Worth / Assets | 8.47% | 8.59% | 6.90% | 7.03% | 8.03% | 8.60% | 8.43% | 8.41% | +138 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 53.39% | 53.96% | 49.06% | 47.73% | 49.45% | 48.49% | 44.15% | 41.62% | -611 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Bay City, MI · Charter 60470 · Peer group: credit unions under $1B in assets (n=1,656-1,659)
NCUA · 3 branches
Q2 2025
Return on Assets
0.08%
Rank 1,440 of 1,659
Net Interest Margin
3.12%
Rank 1,303 of 1,658
Efficiency Ratio
97.65%
Rank 1,528 of 1,656
Equity / Assets
8.41%
Rank 1,540 of 1,658
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.08% | 0.35% | 0.78% | 1.25% | Beats 13% | 1,440 / 1,659 | ||
| Return on Equity | 0.93% | 2.75% | 6.06% | 9.41% | Beats 15% | 1,413 / 1,657 | ||
| Net Interest Margin | 3.12% | 3.20% | 3.76% | 4.33% | Beats 21% | 1,303 / 1,658 | ||
| Efficiency Ratio | 97.65% | 67.69% | 77.34% | 85.79% | Beats 8% | 1,528 / 1,656 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 2.11% | 0.24% | 0.65% | 1.35% | Beats 12% | 1,461 / 1,657 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 8.41% | 10.20% | 12.57% | 16.16% | Beats 7% | 1,541 / 1,659 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 8.41% | 10.20% | 12.57% | 16.15% | Beats 7% | 1,540 / 1,658 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 41.62% | 54.91% | 71.55% | 84.72% | 11th pctl | 1,480 / 1,658 | ||
| Loans / Assets | 38.49% | 46.17% | 60.56% | 71.91% | 15th pctl | 1,416 / 1,658 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||