Grand Rapids, MI · Charter 62514
NCUA · 76 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 any (n=25). 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
88
Profitability
44
Liquidity
67
Efficiency
52
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 62514
NCUA · 76 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 | 1.03% | 1.03% | 1.42% | 1.43% | 1.37% | 1.30% | 1.28% | 1.18% | -25 bps | |
| Return on Equity | 9.03% | 9.02% | 12.25% | 12.08% | 11.50% | 11.29% | 11.41% | 10.47% | -161 bps | |
| Net Interest Margin | 2.15% | 2.19% | 2.62% | 2.68% | 2.66% | 2.55% | 2.52% | 2.51% | -17 bps | |
| Efficiency Ratio | 62.67% | 62.69% | 57.13% | 57.01% | 57.86% | 58.20% | 59.39% | 61.07% | +406 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 11.09% | 8.63% | 6.09% | 4.22% | 5.77% | 9.81% | 14.26% | 16.15% | +1,194 bps | |
| Loan Growth (YoY) | 5.50% | 3.66% | 5.30% | 6.24% | 9.24% | 9.37% | 8.85% | 8.35% | +211 bps | |
| Share Growth (YoY) | 12.02% | 9.70% | 6.50% | 3.88% | 5.57% | 9.80% | 14.87% | 17.49% | +1,361 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.38% | 0.34% | 0.33% | 0.36% | 0.34% | 0.48% | 0.43% | 0.35% | -1 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 | 11.39% | 11.39% | 11.57% | 11.85% | 11.91% | 11.55% | 11.25% | 11.27% | -59 bps | |
| Net Worth / Assets | 11.39% | 11.39% | 11.57% | 11.85% | 11.91% | 11.55% | 11.25% | 11.27% | -59 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 98.28% | 97.72% | 98.04% | 100.58% | 101.69% | 97.34% | 92.90% | 92.76% | -783 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 62514 · Peer group: credit unions any (n=25)
NCUA · 76 branches
Q2 2026
Return on Assets
1.18%
Rank 9 of 25
Net Interest Margin
2.51%
Rank 23 of 25
Efficiency Ratio
61.07%
Rank 13 of 25
Equity / Assets
11.27%
Rank 9 of 25
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.18% | 0.54% | 0.87% | 1.36% | Beats 64% | 9 / 25 | ||
| Return on Equity | 10.47% | 5.49% | 9.20% | 10.99% | Beats 60% | 10 / 25 | ||
| Net Interest Margin | 2.51% | 2.86% | 3.13% | 3.50% | Beats 8% | 23 / 25 | ||
| Efficiency Ratio | 61.07% | 54.62% | 61.07% | 70.28% | Beats 52% | 13 / 25 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.35% | 0.64% | 0.92% | 1.30% | Beats 88% | 4 / 25 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 11.27% | 9.55% | 10.72% | 11.84% | Beats 64% | 9 / 25 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 11.27% | 9.55% | 10.72% | 11.84% | Beats 64% | 9 / 25 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 92.76% | 81.23% | 88.75% | 93.33% | 64th pctl | 9 / 25 | ||
| Loans / Assets | 79.19% | 68.82% | 78.26% | 79.51% | 60th pctl | 10 / 25 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||