Norton Shores, MI · Charter 61633
NCUA · 4 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
32
Asset Quality
38
Profitability
24
Liquidity
76
Efficiency
17
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.
Norton Shores, MI · Charter 61633
NCUA · 4 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 | 0.38% | 0.39% | 0.33% | 0.26% | 0.25% | -13 bps | |
| Return on Equity | 3.19% | 3.30% | 2.80% | 2.29% | 2.22% | -97 bps | |
| Net Interest Margin | 3.57% | 3.60% | 3.57% | 3.49% | 3.42% | -15 bps | |
| Efficiency Ratio | 89.03% | 88.01% | 88.54% | 90.87% | 90.45% | +142 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 3.51% | 5.18% | 7.45% | 6.50% | 8.73% | +522 bps | |
| Loan Growth (YoY) | -5.93% | -2.87% | -2.10% | 0.51% | 1.65% | +758 bps | |
| Share Growth (YoY) | 2.83% | 5.07% | 7.77% | 6.86% | 9.44% | +661 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.93% | 1.25% | 1.01% | 1.02% | 0.89% | -3 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 | 11.77% | 11.80% | 11.67% | 11.42% | 11.06% | -71 bps | |
| Net Worth / Assets | 11.77% | 11.80% | 11.67% | 11.42% | 11.06% | -71 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 66.83% | 67.61% | 65.68% | 64.64% | 62.07% | -476 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Norton Shores, MI · Charter 61633 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 4 branches
Q2 2026
Return on Assets
0.25%
Rank 1,352 of 1,683
Net Interest Margin
3.42%
Rank 1,184 of 1,683
Efficiency Ratio
90.45%
Rank 1,396 of 1,682
Equity / Assets
11.06%
Rank 1,138 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.25% | 0.35% | 0.74% | 1.18% | Beats 20% | 1,352 / 1,683 | |
| Return on Equity | 2.22% | 2.67% | 5.89% | 8.74% | Beats 21% | 1,320 / 1,681 | |
| Net Interest Margin | 3.42% | 3.31% | 3.82% | 4.32% | Beats 30% | 1,184 / 1,683 | |
| Efficiency Ratio | 90.45% | 68.91% | 78.20% | 86.93% | Beats 17% | 1,396 / 1,682 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.90% | 0.26% | 0.65% | 1.29% | Beats 38% | 1,043 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 11.06% | 10.44% | 12.89% | 16.53% | Beats 32% | 1,138 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 11.06% | 10.44% | 12.89% | 16.53% | Beats 32% | 1,138 / 1,683 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 62.07% | 52.61% | 69.38% | 83.50% | 38th pctl | 1,049 / 1,683 | |
| Loans / Assets | 54.57% | 44.71% | 59.18% | 70.72% | 41st pctl | 985 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||