PackageTrendsPeer
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Sunrise Family

Bay City, MI · Charter 61995

NCUA · 3 branches

Q2 2026

$133.5MAssets
$53.0MLoans
$121.3MShares
$12.3MNet Worth

Executive Summary

  • Earnings: ROA of 0.26%, up 44 bps year over year; NIM at 3.83%.
  • Asset quality: problem loans at 0.07% of loans (-28 bps YoY).
  • Capital: net worth / assets of 9.21%, up 42 bps from a year ago.
  • Funding: loans stand at 43.65% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

0.26%+44 bps YoY

Net Interest Margin (YTD, annualized)

3.83%+53 bps YoY

Efficiency Ratio (YTD, annualized)

94.07%-1,115 bps YoY

Net Worth / Assets

9.21%+42 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.30%0.28%-0.03%-0.18%-0.05%0.03%0.37%0.26%+44 bps
Return on Equity3.24%3.07%-0.29%-2.02%-0.53%0.29%4.04%2.86%+488 bps
Net Interest Margin3.16%3.18%3.18%3.29%3.54%3.68%3.82%3.83%+53 bps
Efficiency Ratio88.67%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 / Loans0.43%0.35%0.29%0.35%0.21%0.15%0.10%0.07%-28 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital9.42%9.11%8.81%8.79%9.27%9.45%9.21%9.21%+42 bps
Net Worth / Assets9.42%9.11%8.81%8.79%9.27%9.45%9.21%9.21%+42 bps
Liquidity & Funding
Loans / Shares38.79%38.05%36.06%36.84%41.18%42.96%42.23%43.65%+681 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps