Bay City, MI · Charter 61995
NCUA · 3 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
12
Asset Quality
88
Profitability
32
Liquidity
16
Efficiency
12
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.
Bay City, MI · Charter 61995
NCUA · 3 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 | 0.30% | 0.28% | -0.03% | -0.18% | -0.05% | 0.03% | 0.37% | 0.26% | +44 bps | |
| Return on Equity | 3.24% | 3.07% | -0.29% | -2.02% | -0.53% | 0.29% | 4.04% | 2.86% | +488 bps | |
| Net Interest Margin | 3.16% | 3.18% | 3.18% | 3.29% | 3.54% | 3.68% | 3.82% | 3.83% | +53 bps | |
| Efficiency Ratio | 88.67% | 88.66% | 108.30% | 105.22% | 101.43% | 98.70% | 93.95% | 94.07% | -1,115 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.12% | -3.46% | 1.33% | 0.50% | -2.68% | -4.23% | -3.41% | -2.09% | -259 bps | |
| Loan Growth (YoY) | -0.61% | -0.52% | -3.26% | -2.97% | 3.09% | 6.45% | 11.62% | 14.92% | +1,789 bps | |
| Share Growth (YoY) | -5.78% | -3.40% | 0.90% | 0.75% | -2.91% | -5.71% | -4.68% | -3.02% | -376 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.43% | 0.35% | 0.29% | 0.35% | 0.21% | 0.15% | 0.10% | 0.07% | -28 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 | 9.42% | 9.11% | 8.81% | 8.79% | 9.27% | 9.45% | 9.21% | 9.21% | +42 bps | |
| Net Worth / Assets | 9.42% | 9.11% | 8.81% | 8.79% | 9.27% | 9.45% | 9.21% | 9.21% | +42 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 38.79% | 38.05% | 36.06% | 36.84% | 41.18% | 42.96% | 42.23% | 43.65% | +681 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Bay City, MI · Charter 61995 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 3 branches
Q2 2026
Return on Assets
0.26%
Rank 1,342 of 1,683
Net Interest Margin
3.83%
Rank 836 of 1,683
Efficiency Ratio
94.07%
Rank 1,486 of 1,682
Equity / Assets
9.21%
Rank 1,481 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.26% | 0.35% | 0.74% | 1.18% | Beats 20% | 1,342 / 1,683 | ||
| Return on Equity | 2.86% | 2.67% | 5.89% | 8.74% | Beats 27% | 1,233 / 1,681 | ||
| Net Interest Margin | 3.83% | 3.31% | 3.82% | 4.32% | Beats 50% | 836 / 1,683 | ||
| Efficiency Ratio | 94.07% | 68.91% | 78.20% | 86.93% | Beats 12% | 1,486 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.07% | 0.26% | 0.65% | 1.29% | Beats 88% | 200 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 9.21% | 10.44% | 12.89% | 16.53% | Beats 12% | 1,481 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 9.21% | 10.44% | 12.89% | 16.53% | Beats 12% | 1,481 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 43.65% | 52.61% | 69.38% | 83.50% | 15th pctl | 1,434 / 1,683 | ||
| Loans / Assets | 39.68% | 44.71% | 59.18% | 70.72% | 19th pctl | 1,369 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||