MT Pleasant, MI · Charter 61318
NCUA · 4 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
21
Asset Quality
29
Profitability
53
Liquidity
67
Efficiency
52
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.
MT Pleasant, MI · Charter 61318
NCUA · 4 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 | 0.43% | 0.61% | 0.92% | 1.18% | 1.16% | 1.13% | 1.14% | 1.26% | +8 bps | |
| Return on Equity | 4.83% | 6.77% | 10.23% | 12.67% | 12.09% | 11.93% | 11.74% | 12.52% | -15 bps | |
| Net Interest Margin | 2.62% | 2.71% | 3.07% | 3.16% | 3.27% | 3.20% | 3.25% | 3.35% | +19 bps | |
| Efficiency Ratio | 86.15% | 83.41% | 75.28% | 73.56% | 74.06% | 73.86% | 72.77% | 71.79% | -177 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.38% | 8.06% | 7.63% | 4.25% | 4.49% | 6.49% | 5.23% | 4.26% | +2 bps | |
| Loan Growth (YoY) | 11.86% | 6.80% | 4.27% | 6.29% | -1.99% | 0.11% | 2.63% | -1.09% | -738 bps | |
| Share Growth (YoY) | 8.67% | 8.22% | 7.39% | 3.33% | 3.08% | 4.95% | 4.16% | 3.44% | +11 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.35% | 0.70% | 0.55% | 0.87% | 0.68% | 0.81% | 0.81% | 1.14% | +27 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 | 8.82% | 8.95% | 8.99% | 9.29% | 9.56% | 9.51% | 9.71% | 10.07% | +78 bps | |
| Net Worth / Assets | 8.82% | 8.95% | 8.99% | 9.29% | 9.56% | 9.51% | 9.71% | 10.07% | +78 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 63.41% | 62.44% | 59.02% | 60.95% | 60.29% | 59.56% | 58.15% | 58.29% | -267 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
MT Pleasant, MI · Charter 61318 · Peer group: credit unions under $1B in assets in MI (n=56)
NCUA · 4 branches
Q2 2026
Return on Assets
1.26%
Rank 24 of 56
Net Interest Margin
3.35%
Rank 44 of 56
Efficiency Ratio
71.79%
Rank 28 of 56
Equity / Assets
10.07%
Rank 44 of 56
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.26% | 0.74% | 1.15% | 1.47% | Beats 57% | 24 / 56 | ||
| Return on Equity | 12.52% | 6.40% | 9.29% | 11.51% | Beats 82% | 10 / 56 | ||
| Net Interest Margin | 3.35% | 3.40% | 3.92% | 4.36% | Beats 21% | 44 / 56 | ||
| Efficiency Ratio | 71.79% | 65.99% | 72.16% | 78.25% | Beats 52% | 28 / 56 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.14% | 0.49% | 0.84% | 1.28% | Beats 29% | 41 / 56 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 10.07% | 10.20% | 12.14% | 14.32% | Beats 21% | 44 / 56 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 10.07% | 10.20% | 12.14% | 14.32% | Beats 21% | 44 / 56 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 58.28% | 52.28% | 65.96% | 76.17% | 29th pctl | 40 / 56 | ||
| Loans / Assets | 52.16% | 45.34% | 56.55% | 67.04% | 32nd pctl | 38 / 56 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||