Bay City, MI · Charter 61186
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 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
2
Asset Quality
53
Profitability
53
Liquidity
11
Efficiency
30
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 61186
NCUA · 6 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 | 0.05% | 0.07% | 0.03% | 0.14% | 0.28% | 0.41% | 0.42% | 0.50% | +36 bps | |
| Return on Equity | 0.67% | 0.94% | 0.39% | 2.01% | 3.89% | 5.61% | 5.80% | 6.64% | +462 bps | |
| Net Interest Margin | 3.61% | 3.63% | 3.63% | 3.69% | 3.83% | 3.90% | 4.07% | 4.19% | +50 bps | |
| Efficiency Ratio | 92.55% | 92.35% | 92.24% | 87.95% | 87.30% | 86.48% | 85.96% | 84.86% | -309 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.38% | 3.60% | 5.29% | 6.43% | 5.23% | 4.53% | 2.83% | 0.35% | -608 bps | |
| Loan Growth (YoY) | 0.62% | 1.10% | 3.78% | 4.99% | 5.64% | 5.86% | 3.88% | 2.72% | -227 bps | |
| Share Growth (YoY) | 3.24% | 3.28% | 5.11% | 6.76% | 5.28% | 4.57% | 2.50% | -0.37% | -713 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.66% | 0.60% | 0.59% | 0.47% | 0.52% | 0.76% | 0.52% | 0.60% | +13 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 | 7.36% | 7.32% | 7.04% | 6.96% | 7.21% | 7.39% | 7.32% | 7.50% | +53 bps | |
| Net Worth / Assets | 7.36% | 7.32% | 7.04% | 6.96% | 7.21% | 7.39% | 7.32% | 7.50% | +53 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 89.32% | 87.98% | 85.52% | 87.02% | 89.63% | 89.06% | 86.68% | 89.71% | +270 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 61186 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 6 branches
Q2 2026
Return on Assets
0.50%
Rank 1,139 of 1,683
Net Interest Margin
4.19%
Rank 520 of 1,683
Efficiency Ratio
84.86%
Rank 1,179 of 1,682
Equity / Assets
7.50%
Rank 1,650 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.50% | 0.35% | 0.74% | 1.18% | Beats 32% | 1,139 / 1,683 | ||
| Return on Equity | 6.64% | 2.67% | 5.89% | 8.74% | Beats 57% | 719 / 1,681 | ||
| Net Interest Margin | 4.19% | 3.31% | 3.82% | 4.32% | Beats 69% | 520 / 1,683 | ||
| Efficiency Ratio | 84.86% | 68.91% | 78.20% | 86.93% | Beats 30% | 1,179 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.60% | 0.26% | 0.65% | 1.29% | Beats 53% | 790 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 7.50% | 10.44% | 12.89% | 16.53% | Beats 2% | 1,650 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 7.50% | 10.44% | 12.89% | 16.53% | Beats 2% | 1,650 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 89.71% | 52.61% | 69.38% | 83.50% | 86th pctl | 242 / 1,683 | ||
| Loans / Assets | 82.10% | 44.71% | 59.18% | 70.72% | 94th pctl | 97 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||