Buchanan, MI · Charter 62079
NCUA · 1 branch
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
98
Asset Quality
23
Profitability
32
Liquidity
0
Efficiency
98
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.
Buchanan, MI · Charter 62079
NCUA · 1 branch
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 | 1.01% | 1.06% | 0.69% | 0.96% | 0.88% | 1.01% | 1.11% | 1.41% | +45 bps | |
| Return on Equity | 4.82% | 5.00% | 3.48% | 4.67% | 4.19% | 4.77% | 5.11% | 6.26% | +159 bps | |
| Net Interest Margin | 2.55% | 2.61% | 2.59% | 2.74% | 2.68% | 2.77% | 2.79% | 3.00% | +26 bps | |
| Efficiency Ratio | 58.80% | 57.70% | 72.73% | 64.38% | 66.52% | 62.91% | 59.70% | 53.01% | -1,136 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.21% | -1.96% | 7.49% | 5.35% | 4.20% | 4.44% | -3.61% | -3.08% | -844 bps | |
| Loan Growth (YoY) | 5.52% | 6.16% | 4.49% | 7.81% | 6.82% | 5.35% | 6.03% | 3.27% | -454 bps | |
| Share Growth (YoY) | -2.90% | -2.69% | 8.15% | 5.58% | 4.04% | 4.27% | -5.98% | -5.40% | -1,098 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.33% | 1.71% | 2.48% | 2.06% | 1.72% | 2.27% | 0.45% | 1.54% | -51 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 | 20.86% | 21.16% | 19.74% | 20.56% | 20.99% | 21.27% | 21.79% | 22.46% | +190 bps | |
| Net Worth / Assets | 20.86% | 21.16% | 19.74% | 20.56% | 20.99% | 21.27% | 21.79% | 22.46% | +190 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 87.64% | 90.54% | 84.13% | 88.22% | 89.98% | 91.48% | 94.86% | 96.30% | +808 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Buchanan, MI · Charter 62079 · Peer group: credit unions under $1B in assets in MI (n=56)
NCUA · 1 branch
Q2 2026
Return on Assets
1.41%
Rank 16 of 56
Net Interest Margin
3.00%
Rank 53 of 56
Efficiency Ratio
53.04%
Rank 2 of 56
Equity / Assets
22.46%
Rank 1 of 56
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.41% | 0.74% | 1.15% | 1.47% | Beats 71% | 16 / 56 | ||
| Return on Equity | 6.26% | 6.40% | 9.29% | 11.51% | Beats 21% | 44 / 56 | ||
| Net Interest Margin | 3.00% | 3.40% | 3.92% | 4.36% | Beats 5% | 53 / 56 | ||
| Efficiency Ratio | 53.04% | 65.99% | 72.16% | 78.25% | Beats 98% | 2 / 56 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.54% | 0.49% | 0.84% | 1.28% | Beats 23% | 44 / 56 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 22.46% | 10.20% | 12.14% | 14.32% | Beats 98% | 1 / 56 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 22.46% | 10.20% | 12.14% | 14.32% | Beats 98% | 1 / 56 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 96.30% | 52.28% | 65.96% | 76.17% | 98th pctl | 1 / 56 | ||
| Loans / Assets | 74.48% | 45.34% | 56.55% | 67.04% | 86th pctl | 8 / 56 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||