Flint, MI · Charter 60666
NCUA · 5 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 (n=1,681 to 1,683). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
73
Asset Quality
71
Profitability
45
Liquidity
0
Efficiency
85
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.
Flint, MI · Charter 60666
NCUA · 5 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 | 0.93% | 0.87% | 0.66% | 0.83% | 0.94% | 0.97% | 1.11% | 1.11% | +27 bps | |
| Return on Equity | 5.72% | 5.31% | 4.19% | 5.23% | 5.87% | 6.10% | 6.94% | 6.88% | +165 bps | |
| Net Interest Margin | 2.24% | 2.25% | 2.31% | 2.40% | 2.42% | 2.39% | 2.50% | 2.53% | +14 bps | |
| Efficiency Ratio | 67.12% | 68.27% | 75.30% | 71.01% | 67.89% | 66.55% | 63.65% | 63.57% | -744 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.69% | 4.12% | 7.07% | 7.04% | 7.14% | 8.76% | 6.39% | 6.32% | -72 bps | |
| Loan Growth (YoY) | 5.73% | 5.91% | 3.03% | 3.07% | 2.03% | -0.42% | 0.23% | 0.03% | -303 bps | |
| Share Growth (YoY) | -0.30% | 2.46% | 5.03% | 5.22% | 6.21% | 7.12% | 5.47% | 5.67% | +45 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.22% | 0.22% | 0.32% | 0.32% | 0.24% | 0.14% | 0.30% | 0.31% | 0 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 | 16.27% | 16.33% | 15.84% | 15.95% | 16.06% | 15.97% | 15.94% | 16.10% | +15 bps | |
| Net Worth / Assets | 16.27% | 16.33% | 15.84% | 15.95% | 16.06% | 15.97% | 15.94% | 16.10% | +15 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 30.12% | 30.42% | 29.17% | 29.10% | 28.94% | 28.27% | 27.72% | 27.55% | -155 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Flint, MI · Charter 60666 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 5 branches
Q2 2026
Return on Assets
1.11%
Rank 492 of 1,683
Net Interest Margin
2.53%
Rank 1,612 of 1,683
Efficiency Ratio
63.58%
Rank 256 of 1,682
Equity / Assets
16.10%
Rank 454 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.11% | 0.35% | 0.74% | 1.18% | Beats 71% | 492 / 1,683 | ||
| Return on Equity | 6.88% | 2.67% | 5.89% | 8.74% | Beats 60% | 677 / 1,681 | ||
| Net Interest Margin | 2.53% | 3.31% | 3.82% | 4.32% | Beats 4% | 1,612 / 1,683 | ||
| Efficiency Ratio | 63.58% | 68.91% | 78.20% | 86.93% | Beats 85% | 256 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.31% | 0.26% | 0.65% | 1.29% | Beats 71% | 481 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 16.10% | 10.44% | 12.89% | 16.53% | Beats 73% | 454 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 16.10% | 10.44% | 12.89% | 16.53% | Beats 73% | 454 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 27.55% | 52.61% | 69.38% | 83.50% | 4th pctl | 1,614 / 1,683 | ||
| Loans / Assets | 23.33% | 44.71% | 59.18% | 70.72% | 4th pctl | 1,609 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||