Grand Rapids, MI · Charter 62393
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 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
13
Asset Quality
71
Profitability
75
Liquidity
21
Efficiency
62
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 62393
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 | 0.65% | 0.77% | 0.64% | 1.00% | 1.16% | 1.12% | 1.18% | 1.22% | +22 bps | |
| Return on Equity | 6.73% | 8.02% | 6.94% | 10.71% | 11.82% | 11.41% | 12.17% | 12.95% | +224 bps | |
| Net Interest Margin | 3.81% | 3.76% | 3.91% | 4.01% | 4.19% | 4.12% | 4.01% | 3.90% | -11 bps | |
| Efficiency Ratio | 83.60% | 82.39% | 83.89% | 79.82% | 77.77% | 76.51% | 78.07% | 75.78% | -405 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.39% | 12.15% | 13.00% | 10.64% | 11.78% | 10.38% | 8.65% | 13.18% | +255 bps | |
| Loan Growth (YoY) | 20.62% | 19.78% | 18.72% | 17.78% | 15.10% | 8.35% | 9.53% | 17.41% | -37 bps | |
| Share Growth (YoY) | 7.21% | 12.76% | 12.64% | 9.01% | 9.81% | 8.85% | 8.02% | 13.57% | +456 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.43% | 0.55% | 0.35% | 0.39% | 0.76% | 0.81% | 0.25% | 0.29% | -10 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 | 9.68% | 9.57% | 9.19% | 9.35% | 9.82% | 9.80% | 9.69% | 9.45% | +10 bps | |
| Net Worth / Assets | 9.68% | 9.57% | 9.19% | 9.35% | 9.82% | 9.80% | 9.69% | 9.45% | +10 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 79.99% | 80.76% | 77.77% | 79.35% | 83.84% | 80.39% | 78.85% | 82.03% | +268 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Grand Rapids, MI · Charter 62393 · Peer group: credit unions under $1B in assets in the Grand Rapids-Wyoming-Kentwood, MI area (n=24)
NCUA · 3 branches
Q2 2026
Return on Assets
1.22%
Rank 6 of 24
Net Interest Margin
3.90%
Rank 10 of 24
Efficiency Ratio
75.77%
Rank 10 of 24
Equity / Assets
9.45%
Rank 21 of 24
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.22% | 0.59% | 0.96% | 1.22% | Beats 75% | 6 / 24 | ||
| Return on Equity | 12.95% | 4.08% | 7.52% | 9.09% | Beats 92% | 2 / 24 | ||
| Net Interest Margin | 3.90% | 3.56% | 3.83% | 4.19% | Beats 58% | 10 / 24 | ||
| Efficiency Ratio | 75.77% | 75.24% | 78.47% | 83.50% | Beats 62% | 10 / 24 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.29% | 0.27% | 0.41% | 0.73% | Beats 71% | 8 / 24 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 9.45% | 10.28% | 13.92% | 16.80% | Beats 13% | 21 / 24 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 9.45% | 10.28% | 13.92% | 16.80% | Beats 13% | 21 / 24 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 82.03% | 55.12% | 69.25% | 80.19% | 79th pctl | 5 / 24 | ||
| Loans / Assets | 73.27% | 45.19% | 59.32% | 70.04% | 79th pctl | 5 / 24 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||