Grand Rapids, MI · Charter 62340
NCUA · 6 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
54
Asset Quality
62
Profitability
57
Liquidity
64
Efficiency
67
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 62340
NCUA · 6 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 | 1.11% | 1.14% | 1.11% | 1.14% | 1.11% | 0 bps | |
| Return on Equity | 8.17% | 8.12% | 7.82% | 8.16% | 7.79% | -37 bps | |
| Net Interest Margin | 3.65% | 3.75% | 3.76% | 3.75% | 3.83% | +17 bps | |
| Efficiency Ratio | 76.10% | 75.32% | 75.51% | 76.67% | 75.77% | -33 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 8.40% | 6.37% | 6.35% | 4.26% | 3.05% | -535 bps | |
| Loan Growth (YoY) | 6.05% | 7.64% | 4.65% | 3.85% | -1.06% | -712 bps | |
| Share Growth (YoY) | 7.59% | 6.04% | 5.07% | 3.04% | 1.78% | -582 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.45% | 0.46% | 0.44% | 0.43% | 0.37% | -8 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 | 13.57% | 14.03% | 14.15% | 14.00% | 14.25% | +69 bps | |
| Net Worth / Assets | 13.57% | 14.03% | 14.15% | 14.00% | 14.25% | +69 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 59.92% | 62.03% | 60.43% | 57.69% | 58.25% | -167 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Grand Rapids, MI · Charter 62340 · Peer group: credit unions under $1B in assets in the Grand Rapids-Wyoming-Kentwood, MI area (n=24)
NCUA · 6 branches
Q2 2026
Return on Assets
1.11%
Rank 8 of 24
Net Interest Margin
3.83%
Rank 13 of 24
Efficiency Ratio
75.77%
Rank 9 of 24
Equity / Assets
14.25%
Rank 11 of 24
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.11% | 0.59% | 0.96% | 1.22% | Beats 67% | 8 / 24 | |
| Return on Equity | 7.79% | 4.08% | 7.52% | 9.09% | Beats 58% | 10 / 24 | |
| Net Interest Margin | 3.83% | 3.56% | 3.83% | 4.19% | Beats 46% | 13 / 24 | |
| Efficiency Ratio | 75.77% | 75.24% | 78.47% | 83.50% | Beats 67% | 9 / 24 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.37% | 0.27% | 0.41% | 0.73% | Beats 62% | 10 / 24 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 14.25% | 10.28% | 13.92% | 16.80% | Beats 54% | 11 / 24 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 14.25% | 10.28% | 13.92% | 16.80% | Beats 54% | 11 / 24 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 58.25% | 55.12% | 69.25% | 80.19% | 33rd pctl | 16 / 24 | |
| Loans / Assets | 49.55% | 45.19% | 59.32% | 70.04% | 29th pctl | 17 / 24 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||