Grand Rapids, MI · Charter 62217
NCUA · 8 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
92
Asset Quality
67
Profitability
49
Liquidity
62
Efficiency
87
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.
Grand Rapids, MI · Charter 62217
NCUA · 8 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 | 1.53% | 1.59% | 1.51% | 1.45% | 1.46% | -7 bps | |
| Return on Equity | 6.50% | 6.79% | 6.23% | 6.05% | 6.04% | -46 bps | |
| Net Interest Margin | 3.46% | 3.55% | 3.57% | 3.54% | 3.56% | +10 bps | |
| Efficiency Ratio | 67.74% | 66.96% | 68.15% | 67.90% | 68.59% | +85 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 7.42% | 7.09% | 5.42% | 3.27% | 3.04% | -438 bps | |
| Loan Growth (YoY) | -2.09% | -2.73% | -1.55% | -2.31% | -3.41% | -132 bps | |
| Share Growth (YoY) | 7.09% | 6.20% | 4.57% | 2.16% | 1.30% | -579 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.47% | 0.51% | 0.56% | 0.09% | 0.36% | -12 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 | 23.50% | 23.47% | 24.22% | 23.92% | 24.16% | +66 bps | |
| Net Worth / Assets | 23.50% | 23.47% | 24.22% | 23.92% | 24.16% | +66 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 78.81% | 79.65% | 78.36% | 75.39% | 75.14% | -366 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Grand Rapids, MI · Charter 62217 · Peer group: credit unions under $1B in assets in the Grand Rapids-Wyoming-Kentwood, MI area (n=24)
NCUA · 8 branches
Q2 2026
Return on Assets
1.46%
Rank 3 of 24
Net Interest Margin
3.56%
Rank 18 of 24
Efficiency Ratio
68.58%
Rank 4 of 24
Equity / Assets
24.16%
Rank 2 of 24
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.46% | 0.59% | 0.96% | 1.22% | Beats 88% | 3 / 24 | |
| Return on Equity | 6.04% | 4.08% | 7.52% | 9.09% | Beats 33% | 16 / 24 | |
| Net Interest Margin | 3.56% | 3.56% | 3.83% | 4.19% | Beats 25% | 18 / 24 | |
| Efficiency Ratio | 68.58% | 75.24% | 78.47% | 83.50% | Beats 87% | 4 / 24 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.36% | 0.27% | 0.41% | 0.73% | Beats 67% | 9 / 24 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 24.16% | 10.28% | 13.92% | 16.80% | Beats 92% | 2 / 24 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 24.16% | 10.28% | 13.92% | 16.80% | Beats 92% | 2 / 24 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 75.14% | 55.12% | 69.25% | 80.19% | 63rd pctl | 9 / 24 | |
| Loans / Assets | 55.94% | 45.19% | 59.32% | 70.04% | 42nd pctl | 14 / 24 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||