Kalamazoo, MI · Charter 61503
NCUA · 32 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
23
Asset Quality
49
Profitability
66
Liquidity
37
Efficiency
78
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.
Kalamazoo, MI · Charter 61503
NCUA · 32 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 | 1.09% | 1.18% | 1.08% | 1.05% | 1.10% | +1 bps | |
| Return on Equity | 11.23% | 11.86% | 11.02% | 10.69% | 11.30% | +7 bps | |
| Net Interest Margin | 3.07% | 3.15% | 3.09% | 3.23% | 3.25% | +18 bps | |
| Efficiency Ratio | 65.67% | 65.70% | 66.33% | 64.78% | 63.87% | -179 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 23.74% | 16.84% | 12.23% | 13.13% | 10.14% | -1,360 bps | |
| Loan Growth (YoY) | 24.89% | 25.96% | 12.73% | 13.23% | 12.57% | -1,232 bps | |
| Share Growth (YoY) | 16.21% | 17.78% | 12.53% | 11.38% | 8.29% | -792 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.55% | 0.60% | 0.77% | 0.66% | 0.70% | +15 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 | 9.67% | 9.91% | 9.79% | 9.80% | 9.73% | +6 bps | |
| Net Worth / Assets | 9.67% | 9.91% | 9.79% | 9.80% | 9.73% | +6 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 93.50% | 95.07% | 95.64% | 94.98% | 97.19% | +369 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Kalamazoo, MI · Charter 61503 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 32 branches
Q2 2026
Return on Assets
1.10%
Rank 123 of 435
Net Interest Margin
3.25%
Rank 261 of 435
Efficiency Ratio
63.87%
Rank 96 of 435
Equity / Assets
9.73%
Rank 334 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.10% | 0.55% | 0.81% | 1.14% | Beats 72% | 123 / 435 | |
| Return on Equity | 11.30% | 5.12% | 7.41% | 9.70% | Beats 86% | 59 / 435 | |
| Net Interest Margin | 3.25% | 3.01% | 3.39% | 3.75% | Beats 40% | 261 / 435 | |
| Efficiency Ratio | 63.87% | 65.25% | 71.39% | 77.86% | Beats 78% | 96 / 435 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.70% | 0.45% | 0.69% | 1.05% | Beats 49% | 224 / 435 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 9.73% | 9.81% | 10.84% | 12.63% | Beats 23% | 334 / 435 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 9.73% | 9.81% | 10.84% | 12.63% | Beats 23% | 334 / 435 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 97.19% | 78.33% | 88.38% | 95.61% | 79th pctl | 92 / 435 | |
| Loans / Assets | 79.91% | 67.69% | 74.58% | 80.80% | 69th pctl | 133 / 435 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||