Financialedge
Bay City, MI · Charter 61619 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 2 branches
Q2 2026
$147.2MAssets
$84.3MLoans
$127.4MShares
$18.1MNet Worth
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 50% of credit unions under $1B in assets (rank 845 of 1682).
- Widest gap: efficiency ratio trails 64% of credit unions under $1B in assets (rank 1072 of 1682).
- Overall: at or above the peer median on 1 of 7 directional measures.
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 | 8-Qtr Trend | 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 |