Traverse City, MI · Charter 61795
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
66
Asset Quality
64
Profitability
75
Liquidity
54
Efficiency
80
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.
Traverse City, MI · Charter 61795
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 | 1.20% | 1.24% | 1.29% | 1.43% | 1.44% | 1.37% | 1.09% | 1.20% | -23 bps | |
| Return on Equity | 8.83% | 9.11% | 9.22% | 10.05% | 9.84% | 9.38% | 7.44% | 8.08% | -197 bps | |
| Net Interest Margin | 3.39% | 3.48% | 4.01% | 4.14% | 4.28% | 4.37% | 4.46% | 4.44% | +30 bps | |
| Efficiency Ratio | 68.56% | 67.88% | 68.00% | 64.62% | 63.47% | 63.55% | 68.10% | 66.33% | +172 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.57% | 6.45% | 6.71% | 5.57% | 2.74% | 2.42% | 3.71% | 4.49% | -108 bps | |
| Loan Growth (YoY) | 11.84% | 7.69% | 7.84% | 8.79% | 7.50% | 5.60% | 4.05% | 0.58% | -821 bps | |
| Share Growth (YoY) | 4.97% | 5.51% | 5.86% | 4.74% | 1.79% | 1.53% | 3.09% | 3.80% | -94 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.28% | 1.45% | 0.92% | 1.31% | 1.06% | 1.91% | 1.65% | 0.42% | -89 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 | 13.62% | 13.65% | 13.93% | 14.21% | 14.59% | 14.61% | 14.69% | 14.79% | +58 bps | |
| Net Worth / Assets | 13.62% | 13.65% | 13.93% | 14.21% | 14.59% | 14.61% | 14.69% | 14.79% | +58 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 79.40% | 78.85% | 79.92% | 82.50% | 83.85% | 82.01% | 80.67% | 79.93% | -256 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Traverse City, MI · Charter 61795 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 2 branches
Q2 2026
Return on Assets
1.20%
Rank 407 of 1,683
Net Interest Margin
4.44%
Rank 356 of 1,683
Efficiency Ratio
66.34%
Rank 341 of 1,682
Equity / Assets
14.79%
Rank 573 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.20% | 0.35% | 0.74% | 1.18% | Beats 76% | 407 / 1,683 | ||
| Return on Equity | 8.08% | 2.67% | 5.89% | 8.74% | Beats 70% | 498 / 1,681 | ||
| Net Interest Margin | 4.44% | 3.31% | 3.82% | 4.32% | Beats 79% | 356 / 1,683 | ||
| Efficiency Ratio | 66.34% | 68.91% | 78.20% | 86.93% | Beats 80% | 341 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.42% | 0.26% | 0.65% | 1.29% | Beats 64% | 601 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 14.79% | 10.44% | 12.89% | 16.53% | Beats 66% | 573 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 14.79% | 10.44% | 12.89% | 16.53% | Beats 66% | 573 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 79.93% | 52.61% | 69.38% | 83.50% | 69th pctl | 515 / 1,683 | ||
| Loans / Assets | 67.35% | 44.71% | 59.18% | 70.72% | 68th pctl | 545 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||