Lansing, MI · Charter 62543
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 (n=1,681 to 1,683). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
82
Asset Quality
76
Profitability
66
Liquidity
0
Efficiency
95
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.
Lansing, MI · Charter 62543
NCUA · 1 branch
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 | 2.21% | 1.92% | 2.20% | 2.18% | 2.14% | 1.81% | 1.88% | 1.73% | -45 bps | |
| Return on Equity | 12.93% | 11.43% | 12.73% | 12.12% | 11.32% | 9.76% | 10.20% | 9.27% | -285 bps | |
| Net Interest Margin | 3.36% | 2.99% | 3.30% | 3.42% | 3.63% | 3.23% | 3.40% | 3.41% | -1 bps | |
| Efficiency Ratio | 43.07% | 45.44% | 43.99% | 44.87% | 46.77% | 50.78% | 49.28% | 53.12% | +825 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -7.02% | -5.20% | -1.17% | -0.41% | 0.80% | 0.62% | 3.52% | 5.20% | +561 bps | |
| Loan Growth (YoY) | -10.94% | -9.12% | -7.70% | -2.44% | -4.04% | -4.32% | -7.03% | -7.62% | -518 bps | |
| Share Growth (YoY) | -10.05% | -8.16% | -4.03% | -3.64% | -1.14% | -1.49% | 2.73% | 5.11% | +875 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.05% | 0.06% | 0.12% | 0.07% | 0.25% | +20 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 | 17.11% | 16.81% | 17.29% | 17.95% | 18.91% | 18.51% | 18.39% | 18.62% | +67 bps | |
| Net Worth / Assets | 17.11% | 16.81% | 17.29% | 17.95% | 18.91% | 18.51% | 18.39% | 18.62% | +67 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 22.61% | 21.44% | 21.79% | 22.30% | 21.95% | 20.82% | 19.72% | 19.60% | -270 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Lansing, MI · Charter 62543 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
1.73%
Rank 154 of 1,683
Net Interest Margin
3.40%
Rank 1,198 of 1,683
Efficiency Ratio
53.21%
Rank 90 of 1,682
Equity / Assets
18.62%
Rank 295 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.73% | 0.35% | 0.74% | 1.18% | Beats 91% | 154 / 1,683 | ||
| Return on Equity | 9.27% | 2.67% | 5.89% | 8.74% | Beats 79% | 355 / 1,681 | ||
| Net Interest Margin | 3.40% | 3.31% | 3.82% | 4.32% | Beats 29% | 1,198 / 1,683 | ||
| Efficiency Ratio | 53.21% | 68.91% | 78.20% | 86.93% | Beats 95% | 90 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.24% | 0.26% | 0.65% | 1.29% | Beats 76% | 399 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 18.62% | 10.44% | 12.89% | 16.53% | Beats 82% | 295 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 18.62% | 10.44% | 12.89% | 16.53% | Beats 82% | 295 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 19.60% | 52.61% | 69.38% | 83.50% | 2nd pctl | 1,652 / 1,683 | ||
| Loans / Assets | 15.84% | 44.71% | 59.18% | 70.72% | 2nd pctl | 1,651 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||