Battle Creek, MI · Charter 62072
NCUA · 10 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
20
Asset Quality
32
Profitability
26
Liquidity
0
Efficiency
4
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.
Battle Creek, MI · Charter 62072
NCUA · 10 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 | 0.40% | 0.23% | 0.36% | 0.36% | 0.27% | 0.11% | 0.06% | 0.02% | -34 bps | |
| Return on Equity | 3.85% | 2.22% | 3.54% | 3.45% | 2.58% | 1.06% | 0.59% | 0.16% | -330 bps | |
| Net Interest Margin | 3.01% | 3.49% | 4.58% | 4.68% | 4.66% | 4.63% | 4.36% | 4.36% | -32 bps | |
| Efficiency Ratio | 72.47% | 78.48% | 84.58% | 85.13% | 86.52% | 89.21% | 95.62% | 96.53% | +1,140 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 65.53% | 62.52% | 65.68% | 64.81% | 1.05% | 1.82% | 0.06% | 1.53% | -6,328 bps | |
| Loan Growth (YoY) | 60.05% | 60.71% | 62.93% | 67.24% | 4.02% | 3.62% | 3.29% | 1.06% | -6,619 bps | |
| Share Growth (YoY) | 63.50% | 60.75% | 62.74% | 61.86% | 1.02% | 1.63% | 0.01% | 1.86% | -6,000 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.02% | 0.68% | 0.48% | 0.83% | 1.07% | 1.03% | 0.79% | 1.08% | +25 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 | 10.46% | 10.48% | 10.25% | 10.39% | 10.42% | 10.30% | 10.17% | 10.07% | -32 bps | |
| Net Worth / Assets | 10.46% | 10.48% | 10.25% | 10.39% | 10.42% | 10.30% | 10.17% | 10.07% | -32 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 87.05% | 88.02% | 84.55% | 87.82% | 89.64% | 89.75% | 87.33% | 87.13% | -69 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Battle Creek, MI · Charter 62072 · Peer group: credit unions under $1B in assets in MI (n=56)
NCUA · 10 branches
Q2 2026
Return on Assets
0.02%
Rank 55 of 56
Net Interest Margin
4.36%
Rank 15 of 56
Efficiency Ratio
96.52%
Rank 55 of 56
Equity / Assets
10.07%
Rank 45 of 56
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.02% | 0.74% | 1.15% | 1.47% | Beats 2% | 55 / 56 | ||
| Return on Equity | 0.16% | 6.40% | 9.29% | 11.51% | Beats 2% | 55 / 56 | ||
| Net Interest Margin | 4.36% | 3.40% | 3.92% | 4.36% | Beats 73% | 15 / 56 | ||
| Efficiency Ratio | 96.52% | 65.99% | 72.16% | 78.25% | Beats 4% | 55 / 56 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.08% | 0.49% | 0.84% | 1.28% | Beats 32% | 39 / 56 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 10.07% | 10.20% | 12.14% | 14.32% | Beats 20% | 45 / 56 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 10.07% | 10.20% | 12.14% | 14.32% | Beats 20% | 45 / 56 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 87.13% | 52.28% | 65.96% | 76.17% | 89th pctl | 6 / 56 | ||
| Loans / Assets | 77.20% | 45.34% | 56.55% | 67.04% | 93rd pctl | 4 / 56 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||