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Montcalm Public Employees

Edmore, MI · Charter 61999

NCUA · 1 branch

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, credit unions under $1B in assets in the Grand Rapids-Wyoming-Kentwood, MI area3

Basis

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.

Peer group

Credit unions under $1B in assets in the Grand Rapids-Wyoming-Kentwood, MI area (n=24). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

79

Q2 2024Q2 2026peer median (50)

Asset Quality

17

Q2 2024Q2 2026peer median (50)

Profitability

50

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

92

Q2 2024Q2 2026peer median (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.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Montcalm Public Employees

Edmore, MI · Charter 61999

NCUA · 1 branch

Q2 2026

$26.9MAssets
$7.0MLoans
$22.3MShares
$4.5MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 1.30%, up 4 bps year over year; NIM at 3.25%.
  • Asset quality: problem loans at 1.19% of loans (-129 bps YoY).
  • Capital: net worth / assets of 16.88%, down 7 bps from a year ago.
  • Funding: loans stand at 31.46% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.30%+4 bps YoY

Net Interest Margin (YTD, annualized)

3.25%+17 bps YoY

Efficiency Ratio (YTD, annualized)

60.73%-169 bps YoY

Net Worth / Assets

16.88%-7 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.27%0.84%0.97%1.37%1.30%+4 bps
Return on Equity7.48%5.00%5.75%8.34%7.72%+24 bps
Net Interest Margin3.08%3.16%3.12%3.19%3.25%+17 bps
Efficiency Ratio62.42%60.80%60.01%60.54%60.73%-169 bps
Growth
Asset Growth (YoY)1.69%2.60%7.44%9.32%7.43%+574 bps
Loan Growth (YoY)-3.46%-2.74%-6.77%-3.43%-7.88%-442 bps
Share Growth (YoY)0.48%1.98%7.53%9.75%7.53%+705 bps
Asset Quality
Delinquent Loans / Loans2.48%2.02%2.12%1.38%1.19%-129 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital16.96%16.91%16.82%16.44%16.88%-7 bps
Net Worth / Assets16.96%16.91%16.82%16.44%16.88%-7 bps
Liquidity & Funding
Loans / Shares36.72%35.74%33.65%31.77%31.46%-526 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Montcalm Public Employees

Edmore, MI · Charter 61999 · Peer group: credit unions under $1B in assets in the Grand Rapids-Wyoming-Kentwood, MI area (n=24)

NCUA · 1 branch

Q2 2026

$26.9MAssets
$7.0MLoans
$22.3MShares
$4.5MNet Worth

Executive Summary

  • Strongest standing: efficiency ratio outperforms 92% of credit unions under $1B in assets in the Grand Rapids-Wyoming-Kentwood, MI area (rank 3 of 24).
  • Widest gap: net interest margin trails 87% of credit unions under $1B in assets in the Grand Rapids-Wyoming-Kentwood, MI area (rank 21 of 24).
  • Overall: at or above the peer median on 5 of 7 directional measures.

Return on Assets

1.30%

Rank 4 of 24

Net Interest Margin

3.25%

Rank 21 of 24

Efficiency Ratio

60.71%

Rank 3 of 24

Equity / Assets

16.88%

Rank 5 of 24

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.30%0.59%0.96%1.22%Beats 83%4 / 24
Return on Equity7.71%4.08%7.52%9.09%Beats 54%11 / 24
Net Interest Margin3.25%3.56%3.83%4.19%Beats 13%21 / 24
Efficiency Ratio60.71%75.24%78.47%83.50%Beats 92%3 / 24
Asset Quality
Nonperforming Loans / Loans1.20%0.27%0.41%0.73%Beats 17%21 / 24
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio16.88%10.28%13.92%16.80%Beats 79%5 / 24
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets16.88%10.28%13.92%16.80%Beats 79%5 / 24
Liquidity & Funding
Loans / Deposits31.46%55.12%69.25%80.19%0th pctl24 / 24
Loans / Assets26.13%45.19%59.32%70.04%0th pctl24 / 24
Brokered Deposits / Depositsn/aNot reported for this institution