Hastings, MI · Charter 62196
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
17
Asset Quality
37
Profitability
82
Liquidity
0
Efficiency
29
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.
Hastings, MI · Charter 62196
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 | 0.98% | 1.27% | 1.29% | 0.83% | 1.14% | +16 bps | |
| Return on Equity | 10.46% | 13.10% | 13.09% | 8.74% | 11.63% | +117 bps | |
| Net Interest Margin | 4.90% | 4.97% | 4.98% | 4.73% | 4.86% | -5 bps | |
| Efficiency Ratio | 84.92% | 82.48% | 81.23% | 85.97% | 82.60% | -232 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 6.14% | 4.17% | 2.83% | 9.10% | 9.69% | +355 bps | |
| Loan Growth (YoY) | 3.98% | 4.59% | 4.47% | 4.75% | 4.14% | +16 bps | |
| Share Growth (YoY) | 6.35% | 3.19% | 2.00% | 8.72% | 9.09% | +274 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.57% | 0.73% | 0.74% | 0.49% | 0.59% | +2 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 | 9.35% | 9.73% | 9.83% | 9.55% | 9.81% | +46 bps | |
| Net Worth / Assets | 9.35% | 9.73% | 9.83% | 9.55% | 9.81% | +46 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 90.46% | 91.19% | 89.60% | 85.35% | 86.35% | -411 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Hastings, MI · Charter 62196 · 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
1.14%
Rank 7 of 24
Net Interest Margin
4.86%
Rank 3 of 24
Efficiency Ratio
82.58%
Rank 18 of 24
Equity / Assets
9.81%
Rank 20 of 24
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.14% | 0.59% | 0.96% | 1.22% | Beats 71% | 7 / 24 | |
| Return on Equity | 11.63% | 4.08% | 7.52% | 9.09% | Beats 88% | 3 / 24 | |
| Net Interest Margin | 4.86% | 3.56% | 3.83% | 4.19% | Beats 88% | 3 / 24 | |
| Efficiency Ratio | 82.58% | 75.24% | 78.47% | 83.50% | Beats 29% | 18 / 24 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.59% | 0.27% | 0.41% | 0.73% | Beats 37% | 16 / 24 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 9.81% | 10.28% | 13.92% | 16.80% | Beats 17% | 20 / 24 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 9.81% | 10.28% | 13.92% | 16.80% | Beats 17% | 20 / 24 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 86.35% | 55.12% | 69.25% | 80.19% | 88th pctl | 3 / 24 | |
| Loans / Assets | 76.86% | 45.19% | 59.32% | 70.04% | 88th pctl | 3 / 24 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||