Alpena, MI · Charter 62264
NCUA · 1 branch
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
73
Asset Quality
89
Profitability
57
Liquidity
37
Efficiency
68
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 62264
NCUA · 1 branch
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 | 1.09% | 1.84% | 1.61% | 1.40% | 1.37% | +27 bps | |
| Return on Equity | 8.70% | 13.55% | 11.80% | 10.22% | 9.73% | +103 bps | |
| Net Interest Margin | 3.37% | 3.47% | 3.59% | 3.81% | 3.79% | +42 bps | |
| Efficiency Ratio | 73.71% | 62.70% | 65.93% | 68.35% | 68.82% | -489 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 7.31% | 7.33% | 7.05% | 4.87% | 2.12% | -519 bps | |
| Loan Growth (YoY) | 4.97% | 5.50% | 5.58% | 4.15% | 2.89% | -208 bps | |
| Share Growth (YoY) | 6.81% | 5.83% | 5.31% | 2.88% | -0.20% | -701 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.31% | 0.23% | 0.10% | 0.05% | 0.21% | -10 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 | 12.58% | 13.55% | 13.63% | 13.75% | 14.04% | +146 bps | |
| Net Worth / Assets | 12.58% | 13.55% | 13.63% | 13.75% | 14.04% | +146 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 50.26% | 52.83% | 53.46% | 50.77% | 51.82% | +156 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Alpena, MI · Charter 62264 · Peer group: credit unions under $1B in assets in MI (n=56)
NCUA · 1 branch
Q2 2026
Return on Assets
1.37%
Rank 18 of 56
Net Interest Margin
3.78%
Rank 31 of 56
Efficiency Ratio
68.75%
Rank 19 of 56
Equity / Assets
14.04%
Rank 15 of 56
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.37% | 0.74% | 1.15% | 1.47% | Beats 68% | 18 / 56 | |
| Return on Equity | 9.73% | 6.40% | 9.29% | 11.51% | Beats 59% | 23 / 56 | |
| Net Interest Margin | 3.78% | 3.40% | 3.92% | 4.36% | Beats 45% | 31 / 56 | |
| Efficiency Ratio | 68.75% | 65.99% | 72.16% | 78.25% | Beats 68% | 19 / 56 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.21% | 0.49% | 0.84% | 1.28% | Beats 89% | 7 / 56 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 14.04% | 10.20% | 12.14% | 14.32% | Beats 73% | 15 / 56 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 14.04% | 10.20% | 12.14% | 14.32% | Beats 73% | 15 / 56 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 51.82% | 52.28% | 65.96% | 76.17% | 23rd pctl | 43 / 56 | |
| Loans / Assets | 44.04% | 45.34% | 56.55% | 67.04% | 23rd pctl | 43 / 56 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||