Adrian, MI · Charter 60509
NCUA · 8 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
79
Asset Quality
96
Profitability
30
Liquidity
77
Efficiency
66
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.
Adrian, MI · Charter 60509
NCUA · 8 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 | 1.24% | 1.24% | 0.61% | 1.00% | 1.09% | 1.10% | 0.77% | 1.15% | +16 bps | |
| Return on Equity | 8.03% | 7.98% | 4.04% | 7.08% | 7.55% | 7.63% | 5.42% | 7.97% | +89 bps | |
| Net Interest Margin | 2.80% | 2.77% | 2.63% | 2.58% | 2.70% | 2.72% | 2.88% | 2.95% | +37 bps | |
| Efficiency Ratio | 67.40% | 66.91% | 79.60% | 71.00% | 69.36% | 68.67% | 76.37% | 69.15% | -186 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 10.70% | 9.56% | 11.17% | 20.83% | 15.75% | 17.30% | 14.16% | 5.47% | -1,537 bps | |
| Loan Growth (YoY) | -0.02% | 4.77% | 6.24% | 9.42% | 17.60% | 14.80% | 15.08% | 16.34% | +692 bps | |
| Share Growth (YoY) | 3.46% | 5.06% | 6.07% | 7.61% | 7.20% | 7.85% | 5.45% | 4.82% | -279 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.09% | 0.15% | 0.04% | 0.11% | 0.16% | 0.13% | 0.10% | 0.14% | +2 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 | 15.41% | 15.58% | 15.02% | 14.06% | 14.39% | 14.36% | 14.28% | 14.48% | +42 bps | |
| Net Worth / Assets | 15.41% | 15.58% | 15.02% | 14.06% | 14.39% | 14.36% | 14.28% | 14.48% | +42 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 54.37% | 55.63% | 53.90% | 54.48% | 59.65% | 59.21% | 58.82% | 60.47% | +599 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Adrian, MI · Charter 60509 · Peer group: credit unions under $1B in assets in MI (n=56)
NCUA · 8 branches
Q2 2026
Return on Assets
1.15%
Rank 29 of 56
Net Interest Margin
2.95%
Rank 55 of 56
Efficiency Ratio
69.14%
Rank 20 of 56
Equity / Assets
14.48%
Rank 12 of 56
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.15% | 0.74% | 1.15% | 1.47% | Beats 48% | 29 / 56 | ||
| Return on Equity | 7.97% | 6.40% | 9.29% | 11.51% | Beats 41% | 33 / 56 | ||
| Net Interest Margin | 2.95% | 3.40% | 3.92% | 4.36% | Beats 2% | 55 / 56 | ||
| Efficiency Ratio | 69.14% | 65.99% | 72.16% | 78.25% | Beats 66% | 20 / 56 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.14% | 0.49% | 0.84% | 1.28% | Beats 96% | 3 / 56 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 14.48% | 10.20% | 12.14% | 14.32% | Beats 79% | 12 / 56 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 14.48% | 10.20% | 12.14% | 14.32% | Beats 79% | 12 / 56 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 60.47% | 52.28% | 65.96% | 76.17% | 32nd pctl | 38 / 56 | ||
| Loans / Assets | 47.52% | 45.34% | 56.55% | 67.04% | 27th pctl | 41 / 56 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||