Bay City, MI · Charter 61619
NCUA · 2 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
43
Asset Quality
50
Profitability
47
Liquidity
89
Efficiency
36
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 61619
NCUA · 2 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 | 1.19% | 1.07% | 0.96% | 0.67% | 0.70% | -49 bps | |
| Return on Equity | 9.40% | 8.34% | 7.64% | 5.41% | 5.73% | -367 bps | |
| Net Interest Margin | 3.84% | 3.84% | 3.77% | 3.71% | 3.72% | -13 bps | |
| Efficiency Ratio | 76.77% | 77.90% | 79.09% | 83.48% | 82.74% | +598 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 7.82% | 9.03% | 8.93% | 8.15% | 9.06% | +125 bps | |
| Loan Growth (YoY) | 4.38% | 4.64% | 4.16% | 7.47% | 5.19% | +81 bps | |
| Share Growth (YoY) | 7.13% | 8.75% | 8.77% | 8.15% | 9.22% | +210 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.95% | 0.82% | 1.01% | 0.72% | 0.66% | -30 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 | 12.69% | 12.78% | 12.56% | 12.30% | 12.29% | -41 bps | |
| Net Worth / Assets | 12.69% | 12.78% | 12.56% | 12.30% | 12.29% | -41 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 68.66% | 71.64% | 68.00% | 66.01% | 66.12% | -254 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Bay City, MI · Charter 61619 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 2 branches
Q2 2026
Return on Assets
0.70%
Rank 881 of 1,683
Net Interest Margin
3.72%
Rank 926 of 1,683
Efficiency Ratio
82.74%
Rank 1,072 of 1,682
Equity / Assets
12.29%
Rank 951 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.70% | 0.35% | 0.74% | 1.18% | Beats 48% | 881 / 1,683 | |
| Return on Equity | 5.73% | 2.67% | 5.89% | 8.74% | Beats 48% | 869 / 1,681 | |
| Net Interest Margin | 3.72% | 3.31% | 3.82% | 4.32% | Beats 45% | 926 / 1,683 | |
| Efficiency Ratio | 82.74% | 68.91% | 78.20% | 86.93% | Beats 36% | 1,072 / 1,682 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.66% | 0.26% | 0.65% | 1.29% | Beats 50% | 845 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 12.29% | 10.44% | 12.89% | 16.53% | Beats 43% | 951 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 12.29% | 10.44% | 12.89% | 16.53% | Beats 43% | 951 / 1,683 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 66.12% | 52.61% | 69.38% | 83.50% | 44th pctl | 947 / 1,683 | |
| Loans / Assets | 57.25% | 44.71% | 59.18% | 70.72% | 46th pctl | 909 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||