Houghton Lake, MI · Charter 61953
NCUA · 6 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 in MI (n=56). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
41
Asset Quality
36
Profitability
73
Liquidity
8
Efficiency
50
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.
Houghton Lake, MI · Charter 61953
NCUA · 6 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 | 1.32% | 1.33% | 1.28% | 1.38% | 1.36% | +4 bps | |
| Return on Equity | 12.13% | 11.97% | 11.34% | 12.24% | 11.77% | -36 bps | |
| Net Interest Margin | 4.27% | 4.32% | 4.29% | 4.37% | 4.36% | +9 bps | |
| Efficiency Ratio | 68.94% | 70.06% | 71.41% | 73.39% | 72.17% | +323 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 9.86% | 8.45% | 7.89% | 9.78% | 6.64% | -322 bps | |
| Loan Growth (YoY) | 18.30% | 17.31% | 15.34% | 15.62% | 15.27% | -303 bps | |
| Share Growth (YoY) | 10.18% | 8.94% | 7.69% | 8.51% | 5.32% | -486 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.34% | 1.78% | 1.58% | 0.88% | 0.95% | -38 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 | 10.84% | 11.12% | 11.25% | 11.31% | 11.55% | +71 bps | |
| Net Worth / Assets | 10.84% | 11.12% | 11.25% | 11.31% | 11.55% | +71 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 77.82% | 80.38% | 79.97% | 79.87% | 85.17% | +735 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Houghton Lake, MI · Charter 61953 · Peer group: credit unions under $1B in assets in MI (n=56)
NCUA · 6 branches
Q2 2026
Return on Assets
1.36%
Rank 19 of 56
Net Interest Margin
4.36%
Rank 14 of 56
Efficiency Ratio
72.16%
Rank 29 of 56
Equity / Assets
11.55%
Rank 33 of 56
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.36% | 0.74% | 1.15% | 1.47% | Beats 66% | 19 / 56 | |
| Return on Equity | 11.77% | 6.40% | 9.29% | 11.51% | Beats 79% | 12 / 56 | |
| Net Interest Margin | 4.36% | 3.40% | 3.92% | 4.36% | Beats 75% | 14 / 56 | |
| Efficiency Ratio | 72.16% | 65.99% | 72.16% | 78.25% | Beats 50% | 29 / 56 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.95% | 0.49% | 0.84% | 1.28% | Beats 36% | 37 / 56 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 11.55% | 10.20% | 12.14% | 14.32% | Beats 41% | 33 / 56 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 11.55% | 10.20% | 12.14% | 14.32% | Beats 41% | 33 / 56 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 85.17% | 52.28% | 65.96% | 76.17% | 86th pctl | 8 / 56 | |
| Loans / Assets | 75.23% | 45.34% | 56.55% | 67.04% | 88th pctl | 7 / 56 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||