Midland, MI · Charter 62076
NCUA · 11 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
7
Asset Quality
64
Profitability
41
Liquidity
20
Efficiency
37
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.
Midland, MI · Charter 62076
NCUA · 11 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 | 0.17% | 0.31% | 0.24% | 0.05% | 0.21% | 0.32% | -0.22% | 0.72% | +67 bps | |
| Return on Equity | 1.83% | 3.28% | 2.56% | 0.57% | 2.32% | 3.56% | -2.44% | 7.78% | +721 bps | |
| Net Interest Margin | 3.69% | 3.71% | 3.94% | 3.93% | 4.04% | 3.99% | 4.09% | 4.15% | +22 bps | |
| Efficiency Ratio | 85.05% | 81.02% | 79.44% | 80.31% | 78.13% | 77.00% | 88.38% | 75.12% | -520 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.78% | 2.76% | 4.43% | 4.26% | 4.77% | 5.88% | 4.79% | 2.46% | -180 bps | |
| Loan Growth (YoY) | 2.18% | 4.24% | 5.71% | 6.74% | 5.22% | 0.59% | -3.10% | -1.07% | -781 bps | |
| Share Growth (YoY) | 3.80% | 4.78% | 4.63% | 4.73% | 5.92% | 7.95% | 4.65% | 2.00% | -272 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.01% | 1.17% | 0.98% | 1.02% | 1.09% | 1.14% | 0.66% | 0.65% | -37 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 | 9.33% | 9.35% | 9.28% | 8.90% | 9.08% | 9.03% | 8.94% | 9.21% | +32 bps | |
| Net Worth / Assets | 9.33% | 9.35% | 9.28% | 8.90% | 9.08% | 9.03% | 8.94% | 9.21% | +32 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 86.25% | 88.10% | 86.31% | 85.18% | 85.68% | 82.09% | 79.92% | 82.61% | -256 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Midland, MI · Charter 62076 · Peer group: credit unions under $1B in assets in MI (n=56)
NCUA · 11 branches
Q2 2026
Return on Assets
0.72%
Rank 45 of 56
Net Interest Margin
4.15%
Rank 18 of 56
Efficiency Ratio
75.12%
Rank 36 of 56
Equity / Assets
9.21%
Rank 52 of 56
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.72% | 0.74% | 1.15% | 1.47% | Beats 20% | 45 / 56 | ||
| Return on Equity | 7.78% | 6.40% | 9.29% | 11.51% | Beats 36% | 36 / 56 | ||
| Net Interest Margin | 4.15% | 3.40% | 3.92% | 4.36% | Beats 68% | 18 / 56 | ||
| Efficiency Ratio | 75.12% | 65.99% | 72.16% | 78.25% | Beats 37% | 36 / 56 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.65% | 0.49% | 0.84% | 1.28% | Beats 64% | 21 / 56 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 9.21% | 10.20% | 12.14% | 14.32% | Beats 7% | 52 / 56 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 9.21% | 10.20% | 12.14% | 14.32% | Beats 7% | 52 / 56 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 82.61% | 52.28% | 65.96% | 76.17% | 82nd pctl | 10 / 56 | ||
| Loans / Assets | 71.12% | 45.34% | 56.55% | 67.04% | 82nd pctl | 10 / 56 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||