Grand Blanc, MI · Charter 61797
NCUA · 13 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
97
Asset Quality
14
Profitability
50
Liquidity
62
Efficiency
52
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.
Grand Blanc, MI · Charter 61797
NCUA · 13 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 | 1.58% | 1.62% | 1.51% | 0.92% | 0.98% | -60 bps | |
| Return on Equity | 6.09% | 6.64% | 6.32% | 5.19% | 5.51% | -58 bps | |
| Net Interest Margin | 4.20% | 3.89% | 3.84% | 3.11% | 3.44% | -77 bps | |
| Efficiency Ratio | 59.25% | 59.05% | 60.21% | 70.24% | 71.09% | +1,184 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 5.09% | 13.77% | 16.67% | 53.91% | 55.44% | +5,035 bps | |
| Loan Growth (YoY) | -2.90% | -0.24% | -1.12% | 36.72% | 37.38% | +4,027 bps | |
| Share Growth (YoY) | 5.90% | 17.66% | 19.11% | 69.45% | 72.73% | +6,683 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.99% | 1.86% | 2.02% | 1.13% | 1.38% | -61 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 | 25.94% | 24.35% | 23.86% | 17.77% | 17.80% | -814 bps | |
| Net Worth / Assets | 25.94% | 24.35% | 23.86% | 17.77% | 17.80% | -814 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 99.80% | 91.08% | 86.85% | 80.61% | 79.37% | -2,043 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Grand Blanc, MI · Charter 61797 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 13 branches
Q2 2026
Return on Assets
0.98%
Rank 147 of 435
Net Interest Margin
3.44%
Rank 202 of 435
Efficiency Ratio
71.09%
Rank 208 of 435
Equity / Assets
17.80%
Rank 13 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.98% | 0.55% | 0.81% | 1.14% | Beats 66% | 147 / 435 | |
| Return on Equity | 5.51% | 5.12% | 7.41% | 9.70% | Beats 30% | 305 / 435 | |
| Net Interest Margin | 3.44% | 3.01% | 3.39% | 3.75% | Beats 54% | 202 / 435 | |
| Efficiency Ratio | 71.09% | 65.25% | 71.39% | 77.86% | Beats 52% | 208 / 435 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 1.38% | 0.45% | 0.69% | 1.05% | Beats 14% | 377 / 435 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 17.80% | 9.81% | 10.84% | 12.63% | Beats 97% | 13 / 435 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 17.80% | 9.81% | 10.84% | 12.63% | Beats 97% | 13 / 435 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 79.37% | 78.33% | 88.38% | 95.61% | 28th pctl | 315 / 435 | |
| Loans / Assets | 64.71% | 67.69% | 74.58% | 80.80% | 19th pctl | 353 / 435 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||