Oshtemo, MI · Charter 62172
NCUA · 33 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 $1B-$10B in assets (n=435). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
17
Asset Quality
80
Profitability
66
Liquidity
0
Efficiency
56
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.
Oshtemo, MI · Charter 62172
NCUA · 33 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 | 1.03% | 1.10% | 1.07% | 0.94% | 1.21% | +17 bps | |
| Return on Equity | 10.96% | 11.44% | 11.40% | 10.36% | 12.87% | +191 bps | |
| Net Interest Margin | 2.98% | 3.04% | 2.99% | 2.94% | 3.02% | +4 bps | |
| Efficiency Ratio | 72.49% | 72.58% | 73.01% | 74.18% | 69.96% | -253 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 9.33% | 8.31% | 11.08% | 15.25% | 13.88% | +455 bps | |
| Loan Growth (YoY) | 9.59% | 10.07% | 11.11% | 10.41% | 12.88% | +330 bps | |
| Share Growth (YoY) | 9.91% | 9.22% | 12.64% | 17.15% | 15.45% | +554 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.28% | 0.33% | 0.40% | 0.21% | 0.40% | +11 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 | 9.44% | 9.60% | 9.42% | 9.08% | 9.36% | -8 bps | |
| Net Worth / Assets | 9.44% | 9.60% | 9.42% | 9.08% | 9.36% | -8 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 108.79% | 109.84% | 107.34% | 100.66% | 106.37% | -242 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Oshtemo, MI · Charter 62172 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 33 branches
Q2 2026
Return on Assets
1.21%
Rank 86 of 435
Net Interest Margin
3.02%
Rank 325 of 435
Efficiency Ratio
69.96%
Rank 193 of 435
Equity / Assets
9.36%
Rank 361 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.21% | 0.55% | 0.81% | 1.14% | Beats 80% | 86 / 435 | |
| Return on Equity | 12.87% | 5.12% | 7.41% | 9.70% | Beats 94% | 26 / 435 | |
| Net Interest Margin | 3.02% | 3.01% | 3.39% | 3.75% | Beats 25% | 325 / 435 | |
| Efficiency Ratio | 69.96% | 65.25% | 71.39% | 77.86% | Beats 56% | 193 / 435 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.40% | 0.45% | 0.69% | 1.05% | Beats 80% | 88 / 435 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 9.36% | 9.81% | 10.84% | 12.63% | Beats 17% | 361 / 435 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 9.36% | 9.81% | 10.84% | 12.63% | Beats 17% | 361 / 435 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 106.37% | 78.33% | 88.38% | 95.61% | 96th pctl | 18 / 435 | |
| Loans / Assets | 86.98% | 67.69% | 74.58% | 80.80% | 94th pctl | 25 / 435 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||