Grand Blanc, MI · Charter 61159
NCUA · 17 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 the Detroit-Warren-Dearborn, MI area (n=38). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
5
Asset Quality
53
Profitability
39
Liquidity
0
Efficiency
32
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.
Grand Blanc, MI · Charter 61159
NCUA · 17 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 | 0.42% | 0.52% | 0.22% | 0.16% | 0.18% | 0.08% | 0.28% | 0.27% | +11 bps | |
| Return on Equity | 4.29% | 5.16% | 2.16% | 1.58% | 1.75% | 0.77% | 2.85% | 2.74% | +116 bps | |
| Net Interest Margin | 4.13% | 4.20% | 4.51% | 4.56% | 4.65% | 4.63% | 4.63% | 4.69% | +13 bps | |
| Efficiency Ratio | 83.61% | 82.01% | 85.87% | 82.68% | 81.33% | 80.40% | 81.64% | 81.95% | -73 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.22% | -0.10% | -0.76% | 0.54% | -1.76% | -0.03% | 4.01% | 3.11% | +257 bps | |
| Loan Growth (YoY) | 4.13% | 3.67% | 5.13% | 3.58% | 2.87% | 0.24% | -0.75% | 2.29% | -129 bps | |
| Share Growth (YoY) | -0.47% | 1.60% | 1.63% | 3.31% | 3.46% | 3.96% | 3.99% | 3.12% | -18 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.16% | 1.29% | 1.66% | 1.98% | 1.95% | 1.18% | 0.86% | 0.80% | -118 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 | 9.80% | 10.03% | 10.14% | 10.06% | 10.19% | 9.98% | 9.72% | 9.77% | -29 bps | |
| Net Worth / Assets | 9.80% | 10.03% | 10.14% | 10.06% | 10.19% | 9.98% | 9.72% | 9.77% | -29 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 91.57% | 91.97% | 89.28% | 88.76% | 91.04% | 88.68% | 85.21% | 88.05% | -72 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Grand Blanc, MI · Charter 61159 · Peer group: credit unions under $1B in assets in the Detroit-Warren-Dearborn, MI area (n=38)
NCUA · 17 branches
Q2 2026
Return on Assets
0.27%
Rank 33 of 38
Net Interest Margin
4.69%
Rank 4 of 38
Efficiency Ratio
81.95%
Rank 27 of 38
Equity / Assets
9.77%
Rank 36 of 38
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.27% | 0.49% | 0.78% | 1.16% | Beats 13% | 33 / 38 | ||
| Return on Equity | 2.74% | 3.91% | 6.52% | 8.43% | Beats 16% | 32 / 38 | ||
| Net Interest Margin | 4.69% | 3.41% | 3.65% | 4.18% | Beats 89% | 4 / 38 | ||
| Efficiency Ratio | 81.95% | 72.88% | 78.35% | 82.40% | Beats 32% | 27 / 38 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.80% | 0.36% | 0.84% | 1.47% | Beats 53% | 19 / 38 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 9.77% | 11.22% | 12.45% | 15.29% | Beats 5% | 36 / 38 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 9.77% | 11.22% | 12.45% | 15.29% | Beats 5% | 36 / 38 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 88.05% | 38.40% | 54.78% | 75.62% | 92nd pctl | 3 / 38 | ||
| Loans / Assets | 78.56% | 32.99% | 45.72% | 63.66% | 92nd pctl | 3 / 38 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||