Ada, MI · Charter 62123
NCUA · 3 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 the Grand Rapids-Wyoming-Kentwood, MI area (n=24). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
46
Asset Quality
33
Profitability
30
Liquidity
99
Efficiency
33
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.
Ada, MI · Charter 62123
NCUA · 3 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 | 0.70% | 0.80% | 0.77% | 0.63% | 0.71% | +1 bps | |
| Return on Equity | 6.09% | 6.54% | 6.33% | 5.33% | 5.84% | -25 bps | |
| Net Interest Margin | 3.37% | 3.60% | 3.58% | 3.38% | 3.57% | +21 bps | |
| Efficiency Ratio | 81.28% | 79.44% | 81.29% | 85.06% | 82.33% | +104 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 2.48% | -1.45% | 0.77% | 0.19% | 0.38% | -210 bps | |
| Loan Growth (YoY) | -2.86% | -2.33% | -3.15% | -1.31% | -0.36% | +250 bps | |
| Share Growth (YoY) | 1.38% | -2.62% | -0.07% | -0.55% | -0.14% | -153 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.45% | 0.45% | 0.48% | 0.57% | 0.63% | +18 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 | 11.44% | 12.23% | 12.19% | 11.89% | 12.13% | +69 bps | |
| Net Worth / Assets | 11.44% | 12.23% | 12.19% | 11.89% | 12.13% | +69 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 68.71% | 72.49% | 70.26% | 67.46% | 68.57% | -15 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Ada, MI · Charter 62123 · Peer group: credit unions under $1B in assets in the Grand Rapids-Wyoming-Kentwood, MI area (n=24)
NCUA · 3 branches
Q2 2026
Return on Assets
0.71%
Rank 17 of 24
Net Interest Margin
3.57%
Rank 16 of 24
Efficiency Ratio
82.34%
Rank 17 of 24
Equity / Assets
12.13%
Rank 13 of 24
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.71% | 0.59% | 0.96% | 1.22% | Beats 29% | 17 / 24 | |
| Return on Equity | 5.84% | 4.08% | 7.52% | 9.09% | Beats 29% | 17 / 24 | |
| Net Interest Margin | 3.57% | 3.56% | 3.83% | 4.19% | Beats 33% | 16 / 24 | |
| Efficiency Ratio | 82.34% | 75.24% | 78.47% | 83.50% | Beats 33% | 17 / 24 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.63% | 0.27% | 0.41% | 0.73% | Beats 33% | 17 / 24 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 12.13% | 10.28% | 13.92% | 16.80% | Beats 46% | 13 / 24 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 12.13% | 10.28% | 13.92% | 16.80% | Beats 46% | 13 / 24 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 68.57% | 55.12% | 69.25% | 80.19% | 46th pctl | 13 / 24 | |
| Loans / Assets | 59.43% | 45.19% | 59.32% | 70.04% | 58th pctl | 10 / 24 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||