Lansing, MI · Charter 61908
NCUA · 4 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
31
Asset Quality
41
Profitability
42
Liquidity
23
Efficiency
25
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.
Lansing, MI · Charter 61908
NCUA · 4 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 | 0.86% | 0.62% | 0.10% | 0.44% | 0.59% | 0.80% | 0.36% | 0.30% | -14 bps | |
| Return on Equity | 8.07% | 5.98% | 0.96% | 4.28% | 5.42% | 7.32% | 3.30% | 2.73% | -155 bps | |
| Net Interest Margin | 3.94% | 3.93% | 3.91% | 4.04% | 4.27% | 4.22% | 4.31% | 4.37% | +33 bps | |
| Efficiency Ratio | 73.84% | 73.03% | 87.89% | 82.47% | 80.23% | 77.72% | 86.24% | 86.87% | +440 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.81% | -1.08% | 1.48% | 1.68% | 0.57% | 1.64% | 0.90% | 0.12% | -156 bps | |
| Loan Growth (YoY) | -4.52% | -1.25% | -0.05% | -1.14% | -1.24% | 0.57% | 0.47% | 1.60% | +274 bps | |
| Share Growth (YoY) | -5.24% | -0.13% | 1.61% | 2.22% | 1.91% | 1.76% | 2.27% | 2.11% | -11 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.89% | 1.03% | 0.70% | 1.08% | 1.08% | 0.86% | 0.60% | 0.85% | -24 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 | 10.69% | 10.42% | 10.13% | 10.37% | 10.94% | 10.94% | 10.77% | 10.97% | +60 bps | |
| Net Worth / Assets | 10.69% | 10.42% | 10.13% | 10.37% | 10.94% | 10.94% | 10.77% | 10.97% | +60 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 94.65% | 91.88% | 88.67% | 87.28% | 91.72% | 90.80% | 87.12% | 86.85% | -43 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Lansing, MI · Charter 61908 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 4 branches
Q2 2026
Return on Assets
0.30%
Rank 1,309 of 1,683
Net Interest Margin
4.37%
Rank 394 of 1,683
Efficiency Ratio
86.88%
Rank 1,258 of 1,682
Equity / Assets
10.97%
Rank 1,161 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.30% | 0.35% | 0.74% | 1.18% | Beats 22% | 1,309 / 1,683 | ||
| Return on Equity | 2.73% | 2.67% | 5.89% | 8.74% | Beats 26% | 1,250 / 1,681 | ||
| Net Interest Margin | 4.37% | 3.31% | 3.82% | 4.32% | Beats 77% | 394 / 1,683 | ||
| Efficiency Ratio | 86.88% | 68.91% | 78.20% | 86.93% | Beats 25% | 1,258 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.85% | 0.26% | 0.65% | 1.29% | Beats 41% | 992 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 10.97% | 10.44% | 12.89% | 16.53% | Beats 31% | 1,161 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 10.97% | 10.44% | 12.89% | 16.53% | Beats 31% | 1,161 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 86.85% | 52.61% | 69.38% | 83.50% | 81st pctl | 325 / 1,683 | ||
| Loans / Assets | 73.47% | 44.71% | 59.18% | 70.72% | 81st pctl | 324 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||