Sunrise Family
Bay City, MI · Charter 61995 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 3 branches
Q2 2026
$133.5MAssets
$53.0MLoans
$121.3MShares
$12.3MNet Worth
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 88% of credit unions under $1B in assets (rank 200 of 1682).
- Widest gap: equity / assets trails 88% of credit unions under $1B in assets (rank 1481 of 1683).
- Overall: at or above the peer median on 2 of 7 directional measures.
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 |