Whitehall, MI · Charter 62066
NCUA · 2 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 (n=1,681 to 1,683). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
35
Asset Quality
69
Profitability
71
Liquidity
83
Efficiency
55
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.
Whitehall, MI · Charter 62066
NCUA · 2 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.08% | 1.20% | 1.27% | 0.83% | 1.06% | -2 bps | |
| Return on Equity | 10.28% | 10.90% | 11.23% | 7.50% | 9.38% | -90 bps | |
| Net Interest Margin | 3.85% | 4.04% | 4.12% | 4.07% | 4.13% | +28 bps | |
| Efficiency Ratio | 79.49% | 77.83% | 77.36% | 78.93% | 76.67% | -282 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 4.41% | 2.93% | 3.03% | 3.93% | 3.58% | -83 bps | |
| Loan Growth (YoY) | 4.42% | 5.06% | 2.99% | 1.02% | 1.02% | -340 bps | |
| Share Growth (YoY) | 3.87% | 2.24% | 2.06% | 3.21% | 2.84% | -103 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.07% | 0.10% | 0.48% | 0.17% | 0.35% | +28 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 10.50% | 10.99% | 11.33% | 11.05% | 11.32% | +82 bps | |
| Net Worth / Assets | 10.50% | 10.99% | 11.33% | 11.05% | 11.32% | +82 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 74.52% | 77.34% | 77.30% | 72.74% | 73.20% | -131 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Whitehall, MI · Charter 62066 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 2 branches
Q2 2026
Return on Assets
1.06%
Rank 531 of 1,683
Net Interest Margin
4.13%
Rank 578 of 1,683
Efficiency Ratio
76.67%
Rank 758 of 1,682
Equity / Assets
11.32%
Rank 1,100 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.06% | 0.35% | 0.74% | 1.18% | Beats 68% | 531 / 1,683 | |
| Return on Equity | 9.38% | 2.67% | 5.89% | 8.74% | Beats 80% | 344 / 1,681 | |
| Net Interest Margin | 4.13% | 3.31% | 3.82% | 4.32% | Beats 66% | 578 / 1,683 | |
| Efficiency Ratio | 76.67% | 68.91% | 78.20% | 86.93% | Beats 55% | 758 / 1,682 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.35% | 0.26% | 0.65% | 1.29% | Beats 69% | 521 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 11.32% | 10.44% | 12.89% | 16.53% | Beats 35% | 1,100 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 11.32% | 10.44% | 12.89% | 16.53% | Beats 35% | 1,100 / 1,683 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 73.20% | 52.61% | 69.38% | 83.50% | 57th pctl | 718 / 1,683 | |
| Loans / Assets | 64.22% | 44.71% | 59.18% | 70.72% | 61st pctl | 652 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||