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Consumers

Oshtemo, MI · Charter 62172

NCUA · 33 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, credit unions $1B-$10B in assets3

Basis

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.

Peer group

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.

Peer standing

Capital

17

Q2 2024Q2 2026peer median (50)

Asset Quality

80

Q2 2024Q2 2026peer median (50)

Profitability

66

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

56

Q2 2024Q2 2026peer median (50)

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.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Consumers

Oshtemo, MI · Charter 62172

NCUA · 33 branches

Q2 2026

$2.9BAssets
$2.5BLoans
$2.4BShares
$270.7MNet Worth

Executive Summary

  • Earnings: ROA of 1.21%, up 17 bps year over year; NIM at 3.02%.
  • Asset quality: problem loans at 0.40% of loans (+11 bps YoY).
  • Capital: net worth / assets of 9.36%, down 8 bps from a year ago.
  • Funding: loans stand at 106.37% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

1.21%+17 bps YoY

Net Interest Margin (YTD, annualized)

3.02%+4 bps YoY

Efficiency Ratio (YTD, annualized)

69.96%-253 bps YoY

Net Worth / Assets

9.36%-8 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.91%0.90%0.81%1.03%1.10%1.07%0.94%1.21%+17 bps
Return on Equity9.75%9.65%8.65%10.96%11.44%11.40%10.36%12.87%+191 bps
Net Interest Margin2.72%2.74%2.91%2.98%3.04%2.99%2.94%3.02%+4 bps
Efficiency Ratio76.48%76.57%76.43%72.49%72.58%73.01%74.18%69.96%-253 bps
Growth
Asset Growth (YoY)11.31%9.77%9.81%9.33%8.31%11.08%15.25%13.88%+455 bps
Loan Growth (YoY)8.60%8.26%9.84%9.59%10.07%11.11%10.41%12.88%+330 bps
Share Growth (YoY)12.56%9.45%9.50%9.91%9.22%12.64%17.15%15.45%+554 bps
Asset Quality
Delinquent Loans / Loans0.38%0.34%0.11%0.28%0.33%0.40%0.21%0.40%+11 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital9.36%9.36%9.33%9.44%9.60%9.42%9.08%9.36%-8 bps
Net Worth / Assets9.36%9.36%9.33%9.44%9.60%9.42%9.08%9.36%-8 bps
Liquidity & Funding
Loans / Shares109.00%108.82%106.80%108.79%109.84%107.34%100.66%106.37%-242 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Consumers

Oshtemo, MI · Charter 62172 · Peer group: credit unions $1B-$10B in assets (n=435)

NCUA · 33 branches

Q2 2026

$2.9BAssets
$2.5BLoans
$2.4BShares
$270.7MNet Worth

Executive Summary

  • Strongest standing: return on equity outperforms 94% of credit unions $1B-$10B in assets (rank 26 of 435).
  • Widest gap: equity / assets trails 83% of credit unions $1B-$10B in assets (rank 361 of 435).
  • Overall: at or above the peer median on 4 of 7 directional measures.

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

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets1.21%0.55%0.81%1.14%Beats 80%86 / 435
Return on Equity12.87%5.12%7.41%9.70%Beats 94%26 / 435
Net Interest Margin3.02%3.01%3.39%3.75%Beats 25%325 / 435
Efficiency Ratio69.96%65.25%71.39%77.86%Beats 56%193 / 435
Asset Quality
Nonperforming Loans / Loans0.40%0.45%0.69%1.05%Beats 80%88 / 435
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio9.36%9.81%10.84%12.63%Beats 17%361 / 435
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets9.36%9.81%10.84%12.63%Beats 17%361 / 435
Liquidity & Funding
Loans / Deposits106.37%78.33%88.38%95.61%96th pctl18 / 435
Loans / Assets86.98%67.69%74.58%80.80%94th pctl25 / 435
Brokered Deposits / Depositsn/aNot reported for this institution