Plymouth, MI · Charter 60931
NCUA · 6 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 $1B-$10B in assets (n=435). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
64
Asset Quality
91
Profitability
17
Liquidity
0
Efficiency
11
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.
Plymouth, MI · Charter 60931
NCUA · 6 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.33% | 0.38% | 0.43% | 0.41% | 0.49% | +16 bps | |
| Return on Equity | 2.88% | 3.23% | 3.65% | 3.53% | 4.18% | +130 bps | |
| Net Interest Margin | 2.46% | 2.50% | 2.49% | 2.61% | 2.67% | +21 bps | |
| Efficiency Ratio | 86.01% | 84.77% | 83.33% | 84.88% | 82.29% | -372 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 5.94% | 6.29% | 6.05% | 4.99% | 3.27% | -267 bps | |
| Loan Growth (YoY) | -3.04% | -0.37% | -0.27% | 1.11% | 0.22% | +327 bps | |
| Share Growth (YoY) | 4.11% | 5.35% | 4.51% | 4.25% | 2.85% | -126 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.25% | 0.30% | 0.30% | 0.24% | 0.29% | +4 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 11.59% | 11.73% | 11.67% | 11.54% | 11.70% | +11 bps | |
| Net Worth / Assets | 11.59% | 11.73% | 11.67% | 11.54% | 11.70% | +11 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 50.15% | 51.34% | 49.92% | 48.80% | 48.86% | -128 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Plymouth, MI · Charter 60931 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 6 branches
Q2 2026
Return on Assets
0.49%
Rank 347 of 435
Net Interest Margin
2.67%
Rank 382 of 435
Efficiency Ratio
82.29%
Rank 386 of 435
Equity / Assets
11.70%
Rank 158 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.49% | 0.55% | 0.81% | 1.14% | Beats 20% | 347 / 435 | |
| Return on Equity | 4.18% | 5.12% | 7.41% | 9.70% | Beats 18% | 356 / 435 | |
| Net Interest Margin | 2.67% | 3.01% | 3.39% | 3.75% | Beats 12% | 382 / 435 | |
| Efficiency Ratio | 82.29% | 65.25% | 71.39% | 77.86% | Beats 11% | 386 / 435 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.29% | 0.45% | 0.69% | 1.05% | Beats 91% | 38 / 435 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 11.70% | 9.81% | 10.84% | 12.63% | Beats 64% | 158 / 435 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 11.70% | 9.81% | 10.84% | 12.63% | Beats 64% | 158 / 435 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 48.86% | 78.33% | 88.38% | 95.61% | 2nd pctl | 426 / 435 | |
| Loans / Assets | 43.38% | 67.69% | 74.58% | 80.80% | 3rd pctl | 424 / 435 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||