Saginaw, MI · Charter 61756
NCUA · 2 branches
Q4 2025
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2025, the quarter ended December 31, 2025, 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=1,622 to 1,625). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
25
Asset Quality
26
Profitability
29
Liquidity
32
Efficiency
18
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 61756
NCUA · 2 branches
Q4 2025
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 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.18% | 0.13% | 0.14% | 0.44% | 0.45% | +62 bps | |
| Return on Equity | -1.82% | 1.28% | 1.43% | 4.12% | 4.27% | +610 bps | |
| Net Interest Margin | 2.46% | 3.01% | 2.94% | 3.20% | 3.13% | +67 bps | |
| Efficiency Ratio | 106.18% | 96.40% | 95.95% | 89.64% | 88.79% | -1,739 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -3.09% | -5.28% | -8.45% | -4.53% | -3.93% | -84 bps | |
| Loan Growth (YoY) | -4.11% | -2.17% | -0.30% | 2.01% | 4.60% | +871 bps | |
| Share Growth (YoY) | -2.17% | -4.03% | -10.03% | -5.55% | -5.34% | -317 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.01% | 0.21% | 0.04% | 1.44% | 1.33% | +132 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 | 9.63% | 10.19% | 9.82% | 10.67% | 10.44% | +81 bps | |
| Net Worth / Assets | 9.63% | 10.19% | 9.82% | 10.67% | 10.44% | +81 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 45.54% | 49.46% | 47.58% | 51.74% | 50.32% | +478 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Saginaw, MI · Charter 61756 · Peer group: credit unions under $1B in assets (n=1,622-1,625)
NCUA · 2 branches
Q4 2025
Return on Assets
0.45%
Rank 1,154 of 1,625
Net Interest Margin
3.13%
Rank 1,283 of 1,625
Efficiency Ratio
88.79%
Rank 1,328 of 1,622
Equity / Assets
10.44%
Rank 1,216 of 1,624
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.45% | 0.37% | 0.76% | 1.21% | Beats 29% | 1,154 / 1,625 | |
| Return on Equity | 4.28% | 2.80% | 6.06% | 8.96% | Beats 36% | 1,031 / 1,623 | |
| Net Interest Margin | 3.13% | 3.25% | 3.80% | 4.36% | Beats 21% | 1,283 / 1,625 | |
| Efficiency Ratio | 88.79% | 68.56% | 77.08% | 85.11% | Beats 18% | 1,328 / 1,622 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 1.33% | 0.28% | 0.70% | 1.35% | Beats 26% | 1,209 / 1,623 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 10.44% | 10.44% | 12.79% | 16.54% | Beats 25% | 1,218 / 1,625 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 10.44% | 10.44% | 12.79% | 16.54% | Beats 25% | 1,216 / 1,624 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 50.32% | 54.72% | 71.33% | 84.54% | 21st pctl | 1,291 / 1,624 | |
| Loans / Assets | 46.21% | 46.04% | 60.45% | 71.73% | 25th pctl | 1,215 / 1,624 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||