Alpena, MI · Charter 62219
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 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
64
Asset Quality
12
Profitability
26
Liquidity
88
Efficiency
36
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 62219
NCUA · 3 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 | 1.15% | 0.84% | 0.66% | 0.64% | 0.71% | 0.74% | 0.91% | 0.81% | +17 bps | |
| Return on Equity | 8.14% | 6.02% | 4.70% | 4.55% | 4.97% | 5.19% | 6.72% | 5.92% | +137 bps | |
| Net Interest Margin | 3.12% | 3.20% | 3.44% | 3.50% | 3.57% | 3.53% | 3.43% | 3.45% | -4 bps | |
| Efficiency Ratio | 72.76% | 78.27% | 86.59% | 82.16% | 79.82% | 77.79% | 74.69% | 75.25% | -691 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.24% | -2.57% | -0.81% | 0.94% | 1.96% | 3.21% | 10.26% | 9.75% | +881 bps | |
| Loan Growth (YoY) | 21.05% | 16.40% | 16.53% | 11.25% | 4.40% | 3.40% | 2.84% | 7.70% | -355 bps | |
| Share Growth (YoY) | -4.52% | -3.41% | -1.83% | 0.71% | 2.13% | 3.04% | 9.69% | 10.75% | +1,004 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.01% | 0.28% | 0.32% | 0.40% | 0.39% | 0.54% | 0.16% | 1.86% | +146 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 | 14.12% | 14.00% | 14.06% | 14.09% | 14.38% | 14.31% | 13.52% | 13.63% | -45 bps | |
| Net Worth / Assets | 14.12% | 14.00% | 14.06% | 14.09% | 14.38% | 14.31% | 13.52% | 13.63% | -45 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 69.30% | 68.87% | 70.10% | 69.95% | 70.83% | 69.11% | 65.73% | 68.02% | -192 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 62219 · Peer group: credit unions under $1B in assets in MI (n=56)
NCUA · 3 branches
Q2 2026
Return on Assets
0.81%
Rank 38 of 56
Net Interest Margin
3.45%
Rank 41 of 56
Efficiency Ratio
75.26%
Rank 37 of 56
Equity / Assets
13.63%
Rank 20 of 56
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.81% | 0.74% | 1.15% | 1.47% | Beats 32% | 38 / 56 | ||
| Return on Equity | 5.92% | 6.40% | 9.29% | 11.51% | Beats 20% | 45 / 56 | ||
| Net Interest Margin | 3.45% | 3.40% | 3.92% | 4.36% | Beats 27% | 41 / 56 | ||
| Efficiency Ratio | 75.26% | 65.99% | 72.16% | 78.25% | Beats 36% | 37 / 56 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.86% | 0.49% | 0.84% | 1.28% | Beats 12% | 50 / 56 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 13.63% | 10.20% | 12.14% | 14.32% | Beats 64% | 20 / 56 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 13.63% | 10.20% | 12.14% | 14.32% | Beats 64% | 20 / 56 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 68.02% | 52.28% | 65.96% | 76.17% | 57th pctl | 24 / 56 | ||
| Loans / Assets | 58.59% | 45.34% | 56.55% | 67.04% | 54th pctl | 26 / 56 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||