Saginaw, MI · Charter 61657
NCUA · 10 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
28
Asset Quality
32
Profitability
54
Liquidity
92
Efficiency
63
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.
Saginaw, MI · Charter 61657
NCUA · 10 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 | 0.33% | 0.45% | 0.69% | 0.69% | 0.66% | 0.72% | 0.72% | 0.92% | +23 bps | |
| Return on Equity | 3.01% | 4.14% | 6.37% | 6.37% | 6.18% | 6.66% | 6.72% | 8.57% | +220 bps | |
| Net Interest Margin | 2.66% | 2.71% | 2.95% | 2.99% | 3.01% | 3.06% | 3.36% | 3.36% | +38 bps | |
| Efficiency Ratio | 79.24% | 77.43% | 76.30% | 76.45% | 76.95% | 76.00% | 77.33% | 73.53% | -292 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.48% | -1.26% | 1.72% | 4.77% | 7.19% | 8.21% | 6.97% | 8.26% | +349 bps | |
| Loan Growth (YoY) | -3.14% | -1.62% | 1.62% | 5.30% | 8.52% | 9.13% | 7.44% | 6.05% | +75 bps | |
| Share Growth (YoY) | -2.74% | -2.12% | 0.19% | 3.30% | 6.71% | 7.23% | 6.45% | 8.03% | +473 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.80% | 0.93% | 0.65% | 0.72% | 0.65% | 0.70% | 0.40% | 1.03% | +31 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 | 10.84% | 10.97% | 10.79% | 10.79% | 10.74% | 10.78% | 10.74% | 10.73% | -6 bps | |
| Net Worth / Assets | 10.84% | 10.97% | 10.79% | 10.79% | 10.74% | 10.78% | 10.74% | 10.73% | -6 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 67.15% | 67.80% | 66.97% | 68.22% | 68.29% | 69.01% | 67.59% | 66.97% | -126 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Saginaw, MI · Charter 61657 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 10 branches
Q2 2026
Return on Assets
0.92%
Rank 657 of 1,683
Net Interest Margin
3.36%
Rank 1,231 of 1,683
Efficiency Ratio
73.53%
Rank 618 of 1,682
Equity / Assets
10.73%
Rank 1,210 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.92% | 0.35% | 0.74% | 1.18% | Beats 61% | 657 / 1,683 | ||
| Return on Equity | 8.57% | 2.67% | 5.89% | 8.74% | Beats 74% | 443 / 1,681 | ||
| Net Interest Margin | 3.36% | 3.31% | 3.82% | 4.32% | Beats 27% | 1,231 / 1,683 | ||
| Efficiency Ratio | 73.53% | 68.91% | 78.20% | 86.93% | Beats 63% | 618 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.03% | 0.26% | 0.65% | 1.29% | Beats 32% | 1,144 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 10.73% | 10.44% | 12.89% | 16.53% | Beats 28% | 1,210 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 10.73% | 10.44% | 12.89% | 16.53% | Beats 28% | 1,210 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 66.97% | 52.61% | 69.38% | 83.50% | 46th pctl | 917 / 1,683 | ||
| Loans / Assets | 60.58% | 44.71% | 59.18% | 70.72% | 53rd pctl | 786 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||