Drummond Island, MI · Charter 62344
NCUA · 2 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
93
Asset Quality
20
Profitability
50
Liquidity
54
Efficiency
57
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.
Drummond Island, MI · Charter 62344
NCUA · 2 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 | 0.75% | 0.86% | 0.91% | 1.21% | 1.17% | +42 bps | |
| Return on Equity | 4.28% | 5.03% | 5.21% | 6.88% | 6.50% | +221 bps | |
| Net Interest Margin | 3.80% | 3.78% | 3.93% | 4.12% | 4.20% | +40 bps | |
| Efficiency Ratio | 79.30% | 77.24% | 75.91% | 72.24% | 70.81% | -849 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 3.31% | 3.30% | 5.32% | 7.14% | 3.06% | -24 bps | |
| Loan Growth (YoY) | 2.55% | -2.03% | 0.72% | 0.48% | 3.39% | +84 bps | |
| Share Growth (YoY) | 2.01% | 2.39% | 3.96% | 7.09% | 2.28% | +27 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.16% | 0.31% | 0.68% | 0.27% | 1.59% | +143 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 | 17.53% | 17.18% | 17.50% | 17.64% | 18.05% | +53 bps | |
| Net Worth / Assets | 17.53% | 17.18% | 17.50% | 17.64% | 18.05% | +53 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 54.82% | 51.72% | 53.73% | 53.52% | 55.42% | +60 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Drummond Island, MI · Charter 62344 · Peer group: credit unions under $1B in assets in MI (n=56)
NCUA · 2 branches
Q2 2026
Return on Assets
1.17%
Rank 27 of 56
Net Interest Margin
4.21%
Rank 17 of 56
Efficiency Ratio
70.74%
Rank 25 of 56
Equity / Assets
18.05%
Rank 4 of 56
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.17% | 0.74% | 1.15% | 1.47% | Beats 52% | 27 / 56 | |
| Return on Equity | 6.50% | 6.40% | 9.29% | 11.51% | Beats 27% | 41 / 56 | |
| Net Interest Margin | 4.21% | 3.40% | 3.92% | 4.36% | Beats 70% | 17 / 56 | |
| Efficiency Ratio | 70.74% | 65.99% | 72.16% | 78.25% | Beats 57% | 25 / 56 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 1.59% | 0.49% | 0.84% | 1.28% | Beats 20% | 46 / 56 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 18.05% | 10.20% | 12.14% | 14.32% | Beats 93% | 4 / 56 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 18.05% | 10.20% | 12.14% | 14.32% | Beats 93% | 4 / 56 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 55.42% | 52.28% | 65.96% | 76.17% | 27th pctl | 41 / 56 | |
| Loans / Assets | 45.34% | 45.34% | 56.55% | 67.04% | 25th pctl | 42 / 56 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||