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
$26.9M Assets
$7.0M Loans
$22.3M Shares
$4.5M Net 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
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
Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Peer statistics computed across credit unions under $1B in assets in the Grand Rapids-Wyoming-Kentwood, MI area; percentile is the share of peers with a lower reported value. Each ratio is ranked only among the institutions that reported it, so the denominator in the Rank column varies by measure. Income-statement figures on this page are year-to-date as filed, annualized, because the peer percentiles are computed on that basis. Performance Trends defaults to the discrete quarter, so the same measure can read differently there in any quarter but the first, where year-to-date and the quarter cover the same period. Peer comparisons use ratios standardized identically across all institutions and can differ from as-filed figures. Subchapter S banks are restated to an after-tax equivalent at 21.50%, the median effective tax rate of the 2,758 C-corporation banks filing for this quarter. The rate is recomputed each quarter, and C-corporation figures are unchanged. Peer groups below the disclosure floor are suppressed.
CallReports · callreports.ai · Peer Comparison Generated 2026-10-11