Muskegon, MI · Charter 61631
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
8
Asset Quality
5
Profitability
72
Liquidity
10
Efficiency
47
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.
Muskegon, MI · Charter 61631
NCUA · 2 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 | -0.44% | -0.31% | -0.19% | -0.04% | -0.25% | -0.12% | 0.67% | 0.77% | +81 bps | |
| Return on Equity | -5.70% | -3.90% | -2.42% | -0.50% | -3.06% | -1.51% | 7.99% | 8.92% | +942 bps | |
| Net Interest Margin | 3.59% | 3.71% | 4.01% | 4.14% | 4.34% | 4.47% | 4.64% | 4.76% | +62 bps | |
| Efficiency Ratio | 85.62% | 85.59% | 93.87% | 88.68% | 87.32% | 85.07% | 78.94% | 79.06% | -961 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.04% | -4.20% | -3.34% | -2.62% | -7.36% | -4.72% | -5.01% | -5.83% | -320 bps | |
| Loan Growth (YoY) | -9.81% | -9.40% | -9.44% | -6.46% | -4.60% | -3.24% | -6.29% | -11.34% | -488 bps | |
| Share Growth (YoY) | 1.67% | 1.77% | -2.69% | -2.62% | -7.49% | -4.94% | -5.12% | -6.28% | -366 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 4.26% | 0.34% | 1.55% | 3.17% | 2.90% | 1.80% | 0.54% | 4.04% | +86 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 | 7.71% | 7.87% | 7.89% | 7.95% | 8.10% | 8.08% | 8.34% | 8.66% | +71 bps | |
| Net Worth / Assets | 7.71% | 7.87% | 7.89% | 7.95% | 8.10% | 8.08% | 8.34% | 8.66% | +71 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 94.10% | 95.64% | 95.84% | 94.96% | 97.04% | 97.35% | 94.65% | 89.84% | -512 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Muskegon, MI · Charter 61631 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 2 branches
Q2 2026
Return on Assets
0.77%
Rank 811 of 1,683
Net Interest Margin
4.76%
Rank 224 of 1,683
Efficiency Ratio
79.05%
Rank 885 of 1,682
Equity / Assets
8.66%
Rank 1,549 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.77% | 0.35% | 0.74% | 1.18% | Beats 52% | 811 / 1,683 | ||
| Return on Equity | 8.88% | 2.67% | 5.89% | 8.74% | Beats 76% | 406 / 1,681 | ||
| Net Interest Margin | 4.76% | 3.31% | 3.82% | 4.32% | Beats 87% | 224 / 1,683 | ||
| Efficiency Ratio | 79.05% | 68.91% | 78.20% | 86.93% | Beats 47% | 885 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 4.04% | 0.26% | 0.65% | 1.29% | Beats 5% | 1,603 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 8.66% | 10.44% | 12.89% | 16.53% | Beats 8% | 1,549 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 8.66% | 10.44% | 12.89% | 16.53% | Beats 8% | 1,549 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 89.84% | 52.61% | 69.38% | 83.50% | 86th pctl | 237 / 1,683 | ||
| Loans / Assets | 81.64% | 44.71% | 59.18% | 70.72% | 93rd pctl | 110 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||