Thornapple 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
$79.2M Assets
$60.9M Loans
$70.5M Shares
$7.8M Net Worth
Executive Summary Strongest standing: return on equity outperforms 88% of credit unions under $1B in assets in the Grand Rapids-Wyoming-Kentwood, MI area (rank 3 of 24). Widest gap: equity / assets trails 83% of credit unions under $1B in assets in the Grand Rapids-Wyoming-Kentwood, MI area (rank 20 of 24). Overall: at or above the peer median on 3 of 7 directional measures. 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
Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Peer statistics computed across credit unions under $1B in assets in the Grand Rapids-Wyoming-Kentwood, MI area; percentile is the share of peers with a lower reported value. Each ratio is ranked only among the institutions that reported it, so the denominator in the Rank column varies by measure. Income-statement figures on this page are year-to-date as filed, annualized, because the peer percentiles are computed on that basis. Performance Trends defaults to the discrete quarter, so the same measure can read differently there in any quarter but the first, where year-to-date and the quarter cover the same period. Peer comparisons use ratios standardized identically across all institutions and can differ from as-filed figures. Subchapter S banks are restated to an after-tax equivalent at 21.50%, the median effective tax rate of the 2,758 C-corporation banks filing for this quarter. The rate is recomputed each quarter, and C-corporation figures are unchanged. Peer groups below the disclosure floor are suppressed.
CallReports · callreports.ai · Peer Comparison Generated 2026-10-11