Marquette, MI · Charter 62038
NCUA · 8 branches
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 MI (n=56). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
48
Asset Quality
66
Profitability
39
Liquidity
55
Efficiency
41
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.
Marquette, MI · Charter 62038
NCUA · 8 branches
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 | 0.37% | 0.37% | 0.53% | 0.63% | 0.79% | 0.88% | 0.99% | 1.06% | +43 bps | |
| Return on Equity | 2.99% | 3.06% | 4.40% | 5.19% | 6.43% | 7.16% | 8.25% | 8.79% | +360 bps | |
| Net Interest Margin | 2.83% | 2.87% | 3.05% | 3.20% | 3.32% | 3.38% | 3.49% | 3.59% | +39 bps | |
| Efficiency Ratio | 87.75% | 87.05% | 81.86% | 80.50% | 78.09% | 76.67% | 75.60% | 73.93% | -657 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.69% | 6.46% | 7.99% | 7.83% | 6.08% | 6.34% | 8.19% | 9.35% | +152 bps | |
| Loan Growth (YoY) | 2.58% | 1.73% | 4.00% | 4.80% | 6.66% | 8.44% | 10.01% | 14.89% | +1,009 bps | |
| Share Growth (YoY) | 7.29% | 9.66% | 7.87% | 6.75% | 4.72% | 4.39% | 7.48% | 8.53% | +178 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.42% | 0.34% | 0.20% | 0.22% | 0.30% | 0.26% | 0.14% | 0.64% | +42 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 | 12.37% | 12.23% | 11.98% | 12.12% | 12.26% | 12.29% | 11.95% | 12.07% | -5 bps | |
| Net Worth / Assets | 12.37% | 12.23% | 11.98% | 12.12% | 12.26% | 12.29% | 11.95% | 12.07% | -5 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 70.41% | 69.55% | 69.45% | 70.98% | 71.71% | 72.25% | 71.09% | 75.14% | +416 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Marquette, MI · Charter 62038 · Peer group: credit unions under $1B in assets in MI (n=56)
NCUA · 8 branches
Q2 2026
Return on Assets
1.06%
Rank 33 of 56
Net Interest Margin
3.59%
Rank 38 of 56
Efficiency Ratio
73.94%
Rank 34 of 56
Equity / Assets
12.07%
Rank 29 of 56
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.06% | 0.74% | 1.15% | 1.47% | Beats 41% | 33 / 56 | ||
| Return on Equity | 8.79% | 6.40% | 9.29% | 11.51% | Beats 45% | 31 / 56 | ||
| Net Interest Margin | 3.59% | 3.40% | 3.92% | 4.36% | Beats 32% | 38 / 56 | ||
| Efficiency Ratio | 73.94% | 65.99% | 72.16% | 78.25% | Beats 41% | 34 / 56 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.64% | 0.49% | 0.84% | 1.28% | Beats 66% | 20 / 56 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 12.07% | 10.20% | 12.14% | 14.32% | Beats 48% | 29 / 56 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 12.07% | 10.20% | 12.14% | 14.32% | Beats 48% | 29 / 56 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 75.14% | 52.28% | 65.96% | 76.17% | 71st pctl | 16 / 56 | ||
| Loans / Assets | 65.77% | 45.34% | 56.55% | 67.04% | 71st pctl | 16 / 56 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||