Traverse City, MI · Charter 61365
NCUA · 21 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
34
Asset Quality
6
Profitability
54
Liquidity
68
Efficiency
8
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.
Traverse City, MI · Charter 61365
NCUA · 21 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 | 0.28% | 0.36% | 0.27% | 0.52% | 0.72% | 0.76% | 0.34% | 0.61% | +9 bps | |
| Return on Equity | 3.06% | 3.74% | 2.95% | 5.46% | 7.44% | 7.75% | 3.44% | 5.96% | +50 bps | |
| Net Interest Margin | 4.03% | 4.22% | 4.34% | 4.51% | 4.58% | 4.60% | 4.50% | 4.57% | +6 bps | |
| Efficiency Ratio | 84.44% | 83.29% | 88.21% | 83.37% | 80.42% | 80.50% | 89.30% | 84.77% | +140 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.78% | -4.94% | -4.55% | -1.97% | -2.80% | 0.48% | -1.38% | 1.35% | +332 bps | |
| Loan Growth (YoY) | -4.14% | -5.09% | -3.72% | -3.36% | -0.47% | -2.03% | -0.67% | 2.70% | +607 bps | |
| Share Growth (YoY) | -9.23% | -9.65% | -8.80% | -6.25% | -3.43% | -0.84% | 1.69% | 4.40% | +1,065 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.06% | 1.23% | 0.67% | 0.78% | 1.09% | 2.11% | 1.62% | 1.73% | +94 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 | 9.25% | 9.63% | 9.17% | 9.44% | 9.67% | 9.82% | 9.98% | 10.15% | +71 bps | |
| Net Worth / Assets | 9.25% | 9.63% | 9.17% | 9.44% | 9.67% | 9.82% | 9.98% | 10.15% | +71 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 80.80% | 82.40% | 80.92% | 82.13% | 83.28% | 81.41% | 79.04% | 80.80% | -133 bps | |
| Liquid Assets / Assets | 98.89% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Traverse City, MI · Charter 61365 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 21 branches
Q2 2026
Return on Assets
0.61%
Rank 306 of 435
Net Interest Margin
4.57%
Rank 11 of 435
Efficiency Ratio
84.77%
Rank 401 of 435
Equity / Assets
10.15%
Rank 288 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.61% | 0.55% | 0.81% | 1.14% | Beats 30% | 306 / 435 | ||
| Return on Equity | 5.96% | 5.12% | 7.41% | 9.70% | Beats 34% | 288 / 435 | ||
| Net Interest Margin | 4.57% | 3.01% | 3.39% | 3.75% | Beats 97% | 11 / 435 | ||
| Efficiency Ratio | 84.77% | 65.25% | 71.39% | 77.86% | Beats 8% | 401 / 435 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.73% | 0.45% | 0.69% | 1.05% | Beats 6% | 408 / 435 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 10.15% | 9.81% | 10.84% | 12.63% | Beats 34% | 288 / 435 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 10.15% | 9.81% | 10.84% | 12.63% | Beats 34% | 288 / 435 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 80.80% | 78.33% | 88.38% | 95.61% | 31st pctl | 301 / 435 | ||
| Loans / Assets | 72.37% | 67.69% | 74.58% | 80.80% | 40th pctl | 259 / 435 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||