Edmore, MI · Charter 61999
NCUA · 1 branch
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 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.
Capital
79
Asset Quality
17
Profitability
50
Liquidity
0
Efficiency
92
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.
Edmore, MI · Charter 61999
NCUA · 1 branch
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 | 1.36% | 1.33% | 1.18% | 1.27% | 0.84% | 0.97% | 1.37% | 1.30% | +4 bps | |
| Return on Equity | 8.29% | 7.86% | 7.04% | 7.48% | 5.00% | 5.75% | 8.34% | 7.72% | +24 bps | |
| Net Interest Margin | 3.03% | 3.09% | 3.02% | 3.08% | 3.16% | 3.12% | 3.19% | 3.25% | +17 bps | |
| Efficiency Ratio | 59.52% | 59.98% | 64.35% | 62.42% | 60.80% | 60.01% | 60.54% | 60.73% | -169 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.47% | 0.57% | -1.15% | 1.69% | 2.60% | 7.44% | 9.32% | 7.43% | +574 bps | |
| Loan Growth (YoY) | 3.97% | 2.33% | -4.44% | -3.46% | -2.74% | -6.77% | -3.43% | -7.88% | -442 bps | |
| Share Growth (YoY) | 2.58% | -0.87% | -2.83% | 0.48% | 1.98% | 7.53% | 9.75% | 7.53% | +705 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.04% | 2.82% | 2.41% | 2.48% | 2.02% | 2.12% | 1.38% | 1.19% | -129 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 | 16.41% | 16.92% | 16.77% | 16.96% | 16.91% | 16.82% | 16.44% | 16.88% | -7 bps | |
| Net Worth / Assets | 16.41% | 16.92% | 16.77% | 16.96% | 16.91% | 16.82% | 16.44% | 16.88% | -7 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 37.47% | 38.82% | 36.10% | 36.72% | 35.74% | 33.65% | 31.77% | 31.46% | -526 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
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
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
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.30% | 0.59% | 0.96% | 1.22% | Beats 83% | 4 / 24 | ||
| Return on Equity | 7.71% | 4.08% | 7.52% | 9.09% | Beats 54% | 11 / 24 | ||
| Net Interest Margin | 3.25% | 3.56% | 3.83% | 4.19% | Beats 13% | 21 / 24 | ||
| Efficiency Ratio | 60.71% | 75.24% | 78.47% | 83.50% | Beats 92% | 3 / 24 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.20% | 0.27% | 0.41% | 0.73% | Beats 17% | 21 / 24 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 16.88% | 10.28% | 13.92% | 16.80% | Beats 79% | 5 / 24 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 16.88% | 10.28% | 13.92% | 16.80% | Beats 79% | 5 / 24 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 31.46% | 55.12% | 69.25% | 80.19% | 0th pctl | 24 / 24 | ||
| Loans / Assets | 26.13% | 45.19% | 59.32% | 70.04% | 0th pctl | 24 / 24 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||