Alpena, MI · Charter 62203
NCUA · 5 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
11
Asset Quality
61
Profitability
15
Liquidity
56
Efficiency
18
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.
Alpena, MI · Charter 62203
NCUA · 5 branches
Q2 2026
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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.60% | 0.62% | 0.71% | 0.88% | 0.95% | 0.75% | -0.54% | 0.11% | -77 bps | |
| Return on Equity | 6.03% | 6.40% | 7.33% | 8.92% | 9.37% | 7.51% | -5.58% | 1.17% | -775 bps | |
| Net Interest Margin | 3.48% | 3.42% | 3.37% | 3.50% | 3.60% | 3.58% | 3.67% | 3.66% | +16 bps | |
| Efficiency Ratio | 81.90% | 81.41% | 81.23% | 79.69% | 78.82% | 81.13% | 82.03% | 82.24% | +255 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.93% | 12.69% | 10.73% | 9.70% | 7.74% | 4.71% | 5.14% | 6.32% | -338 bps | |
| Loan Growth (YoY) | 6.68% | 9.37% | 7.15% | 8.74% | 15.13% | 14.46% | 16.79% | 17.58% | +884 bps | |
| Share Growth (YoY) | 3.95% | 12.09% | 9.98% | 8.78% | 6.47% | 4.02% | 5.09% | 6.73% | -205 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.43% | 0.35% | 0.65% | 0.80% | 0.96% | 1.55% | 0.41% | 0.71% | -9 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.94% | 9.69% | 9.71% | 9.87% | 10.12% | 10.01% | 9.67% | 9.64% | -23 bps | |
| Net Worth / Assets | 9.94% | 9.69% | 9.71% | 9.87% | 10.12% | 10.01% | 9.67% | 9.64% | -23 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 66.87% | 66.24% | 65.47% | 67.87% | 72.31% | 72.89% | 72.77% | 74.76% | +690 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Alpena, MI · Charter 62203 · Peer group: credit unions under $1B in assets in MI (n=56)
NCUA · 5 branches
Q2 2026
Return on Assets
0.11%
Rank 54 of 56
Net Interest Margin
3.66%
Rank 35 of 56
Efficiency Ratio
82.23%
Rank 47 of 56
Equity / Assets
9.64%
Rank 50 of 56
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.11% | 0.74% | 1.15% | 1.47% | Beats 4% | 54 / 56 | ||
| Return on Equity | 1.18% | 6.40% | 9.29% | 11.51% | Beats 4% | 54 / 56 | ||
| Net Interest Margin | 3.66% | 3.40% | 3.92% | 4.36% | Beats 38% | 35 / 56 | ||
| Efficiency Ratio | 82.23% | 65.99% | 72.16% | 78.25% | Beats 18% | 47 / 56 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.71% | 0.49% | 0.84% | 1.28% | Beats 61% | 23 / 56 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 9.64% | 10.20% | 12.14% | 14.32% | Beats 11% | 50 / 56 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 9.64% | 10.20% | 12.14% | 14.32% | Beats 11% | 50 / 56 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 74.76% | 52.28% | 65.96% | 76.17% | 70th pctl | 17 / 56 | ||
| Loans / Assets | 67.29% | 45.34% | 56.55% | 67.04% | 77th pctl | 13 / 56 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||