Brighton, MI · Charter 62047
NCUA · 23 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 $1B-$10B in assets (n=435). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
50
Asset Quality
25
Profitability
48
Liquidity
92
Efficiency
42
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.
Brighton, MI · Charter 62047
NCUA · 23 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 | 0.46% | 0.43% | 0.49% | 0.56% | 0.60% | 0.57% | 0.54% | 0.70% | +14 bps | |
| Return on Equity | 4.21% | 3.92% | 4.53% | 5.14% | 5.40% | 5.27% | 5.03% | 6.42% | +128 bps | |
| Net Interest Margin | 3.03% | 3.10% | 3.35% | 3.41% | 3.51% | 3.47% | 3.56% | 3.67% | +26 bps | |
| Efficiency Ratio | 80.02% | 80.25% | 79.56% | 75.87% | 75.36% | 75.52% | 76.87% | 73.70% | -217 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.33% | 1.67% | 0.61% | 2.04% | 2.53% | 5.58% | 7.07% | 6.07% | +404 bps | |
| Loan Growth (YoY) | 3.71% | 3.73% | 4.26% | 7.30% | 7.95% | 7.35% | 6.98% | 6.55% | -76 bps | |
| Share Growth (YoY) | -0.77% | 0.40% | 2.37% | 3.77% | 4.69% | 7.50% | 6.99% | 5.97% | +220 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.04% | 1.01% | 0.98% | 1.00% | 1.05% | 1.17% | 1.02% | 1.06% | +6 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 | 10.83% | 10.88% | 10.83% | 10.85% | 11.06% | 10.85% | 10.66% | 10.84% | -1 bps | |
| Net Worth / Assets | 10.83% | 10.88% | 10.83% | 10.85% | 11.06% | 10.85% | 10.66% | 10.84% | -1 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 86.03% | 87.09% | 84.03% | 86.11% | 88.71% | 86.97% | 84.02% | 86.58% | +47 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Brighton, MI · Charter 62047 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 23 branches
Q2 2026
Return on Assets
0.70%
Rank 274 of 435
Net Interest Margin
3.67%
Rank 131 of 435
Efficiency Ratio
73.70%
Rank 255 of 435
Equity / Assets
10.84%
Rank 219 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.70% | 0.55% | 0.81% | 1.14% | Beats 37% | 274 / 435 | ||
| Return on Equity | 6.42% | 5.12% | 7.41% | 9.70% | Beats 37% | 274 / 435 | ||
| Net Interest Margin | 3.67% | 3.01% | 3.39% | 3.75% | Beats 70% | 131 / 435 | ||
| Efficiency Ratio | 73.70% | 65.25% | 71.39% | 77.86% | Beats 42% | 255 / 435 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.06% | 0.45% | 0.69% | 1.05% | Beats 25% | 328 / 435 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 10.84% | 9.81% | 10.84% | 12.63% | Beats 50% | 219 / 435 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 10.84% | 9.81% | 10.84% | 12.63% | Beats 50% | 219 / 435 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 86.58% | 78.33% | 88.38% | 95.61% | 45th pctl | 238 / 435 | ||
| Loans / Assets | 76.45% | 67.69% | 74.58% | 80.80% | 57th pctl | 189 / 435 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||