Saginaw, MI · Charter 62141
NCUA · 12 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
16
Asset Quality
68
Profitability
37
Liquidity
53
Efficiency
25
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.
Saginaw, MI · Charter 62141
NCUA · 12 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 | 0.35% | 0.46% | 0.51% | 0.88% | 0.78% | +43 bps | |
| Return on Equity | 3.85% | 4.82% | 5.43% | 9.11% | 7.93% | +408 bps | |
| Net Interest Margin | 3.36% | 3.52% | 3.54% | 3.74% | 3.78% | +42 bps | |
| Efficiency Ratio | 81.25% | 81.63% | 80.27% | 76.16% | 78.25% | -300 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 1.60% | 1.90% | 1.95% | -0.27% | 0.27% | -133 bps | |
| Loan Growth (YoY) | 1.42% | 4.49% | 3.85% | 1.87% | 1.70% | +28 bps | |
| Share Growth (YoY) | 0.68% | 1.21% | 1.08% | -1.32% | -0.60% | -129 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.65% | 0.72% | 0.64% | 0.68% | 0.64% | -1 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 | 9.17% | 9.48% | 9.49% | 9.69% | 9.88% | +70 bps | |
| Net Worth / Assets | 9.17% | 9.48% | 9.49% | 9.69% | 9.88% | +70 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 73.74% | 77.47% | 76.52% | 74.45% | 75.45% | +171 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Saginaw, MI · Charter 62141 · Peer group: credit unions under $1B in assets in MI (n=56)
NCUA · 12 branches
Q2 2026
Return on Assets
0.78%
Rank 39 of 56
Net Interest Margin
3.78%
Rank 32 of 56
Efficiency Ratio
78.25%
Rank 43 of 56
Equity / Assets
9.88%
Rank 47 of 56
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.78% | 0.74% | 1.15% | 1.47% | Beats 30% | 39 / 56 | |
| Return on Equity | 7.93% | 6.40% | 9.29% | 11.51% | Beats 39% | 34 / 56 | |
| Net Interest Margin | 3.78% | 3.40% | 3.92% | 4.36% | Beats 43% | 32 / 56 | |
| Efficiency Ratio | 78.25% | 65.99% | 72.16% | 78.25% | Beats 25% | 43 / 56 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.64% | 0.49% | 0.84% | 1.28% | Beats 68% | 19 / 56 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 9.88% | 10.20% | 12.14% | 14.32% | Beats 16% | 47 / 56 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 9.88% | 10.20% | 12.14% | 14.32% | Beats 16% | 47 / 56 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 75.45% | 52.28% | 65.96% | 76.17% | 73rd pctl | 15 / 56 | |
| Loans / Assets | 67.04% | 45.34% | 56.55% | 67.04% | 75th pctl | 14 / 56 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||