Frankenmuth, MI · Charter 61755
NCUA · 31 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 $1B-$10B in assets (n=435). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
31
Asset Quality
20
Profitability
87
Liquidity
74
Efficiency
40
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.
Frankenmuth, MI · Charter 61755
NCUA · 31 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 | 1.16% | 1.08% | 1.04% | 1.51% | 1.34% | +18 bps | |
| Return on Equity | 12.14% | 11.16% | 10.66% | 15.34% | 13.41% | +127 bps | |
| Net Interest Margin | 3.52% | 3.57% | 3.61% | 3.75% | 3.79% | +28 bps | |
| Efficiency Ratio | 76.73% | 75.90% | 76.25% | 73.37% | 74.25% | -248 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 11.29% | 10.37% | 7.01% | 7.82% | 7.06% | -423 bps | |
| Loan Growth (YoY) | 5.76% | 7.36% | 6.51% | 5.55% | 5.19% | -57 bps | |
| Share Growth (YoY) | 10.15% | 9.89% | 6.99% | 7.96% | 7.73% | -241 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.97% | 1.09% | 0.95% | 1.07% | 1.19% | +22 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 | 9.58% | 9.71% | 9.77% | 9.85% | 10.02% | +44 bps | |
| Net Worth / Assets | 9.58% | 9.71% | 9.77% | 9.85% | 10.02% | +44 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 84.26% | 84.55% | 83.20% | 81.46% | 82.27% | -199 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Frankenmuth, MI · Charter 61755 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 31 branches
Q2 2026
Return on Assets
1.34%
Rank 64 of 435
Net Interest Margin
3.79%
Rank 93 of 435
Efficiency Ratio
74.25%
Rank 260 of 435
Equity / Assets
10.02%
Rank 301 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.34% | 0.55% | 0.81% | 1.14% | Beats 85% | 64 / 435 | |
| Return on Equity | 13.41% | 5.12% | 7.41% | 9.70% | Beats 96% | 19 / 435 | |
| Net Interest Margin | 3.79% | 3.01% | 3.39% | 3.75% | Beats 79% | 93 / 435 | |
| Efficiency Ratio | 74.25% | 65.25% | 71.39% | 77.86% | Beats 40% | 260 / 435 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 1.19% | 0.45% | 0.69% | 1.05% | Beats 20% | 351 / 435 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 10.02% | 9.81% | 10.84% | 12.63% | Beats 31% | 301 / 435 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 10.02% | 9.81% | 10.84% | 12.63% | Beats 31% | 301 / 435 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 82.27% | 78.33% | 88.38% | 95.61% | 34th pctl | 288 / 435 | |
| Loans / Assets | 73.29% | 67.69% | 74.58% | 80.80% | 44th pctl | 242 / 435 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||