St Joseph, MI · Charter 6288
NCUA · 45 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 $1B-$10B in assets (n=435). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
67
Asset Quality
47
Profitability
76
Liquidity
100
Efficiency
85
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.
St Joseph, MI · Charter 6288
NCUA · 45 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 | 0.57% | 0.61% | 1.11% | 1.26% | 1.29% | 1.19% | 1.53% | 1.50% | +24 bps | |
| Return on Equity | 5.17% | 5.55% | 9.90% | 10.95% | 10.96% | 10.17% | 13.14% | 12.59% | +164 bps | |
| Net Interest Margin | 2.84% | 2.86% | 3.11% | 3.18% | 3.23% | 3.27% | 3.23% | 3.29% | +11 bps | |
| Efficiency Ratio | 75.99% | 75.59% | 67.41% | 65.01% | 64.20% | 65.59% | 61.83% | 60.59% | -443 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.02% | 8.18% | 6.91% | 2.83% | 3.07% | 1.76% | 5.06% | 5.23% | +240 bps | |
| Loan Growth (YoY) | 1.98% | 2.91% | 3.64% | 1.88% | 3.47% | 3.77% | 4.15% | 5.00% | +312 bps | |
| Share Growth (YoY) | 6.22% | 7.01% | 6.45% | 0.23% | 0.79% | 1.67% | 3.80% | 6.59% | +636 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.65% | 0.59% | 0.44% | 0.39% | 0.53% | 0.86% | 0.56% | 0.71% | +32 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 | 11.08% | 11.01% | 11.22% | 11.52% | 11.75% | 11.69% | 11.64% | 11.94% | +42 bps | |
| Net Worth / Assets | 11.08% | 11.01% | 11.22% | 11.52% | 11.75% | 11.69% | 11.64% | 11.94% | +42 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 88.07% | 89.06% | 87.12% | 89.72% | 90.40% | 90.90% | 87.42% | 88.38% | -134 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
St Joseph, MI · Charter 6288 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 45 branches
Q2 2026
Return on Assets
1.50%
Rank 36 of 435
Net Interest Margin
3.29%
Rank 249 of 435
Efficiency Ratio
60.59%
Rank 65 of 435
Equity / Assets
11.94%
Rank 142 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.50% | 0.55% | 0.81% | 1.14% | Beats 92% | 36 / 435 | ||
| Return on Equity | 12.59% | 5.12% | 7.41% | 9.70% | Beats 92% | 33 / 435 | ||
| Net Interest Margin | 3.29% | 3.01% | 3.39% | 3.75% | Beats 43% | 249 / 435 | ||
| Efficiency Ratio | 60.59% | 65.25% | 71.39% | 77.86% | Beats 85% | 65 / 435 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.71% | 0.45% | 0.69% | 1.05% | Beats 47% | 232 / 435 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 11.94% | 9.81% | 10.84% | 12.63% | Beats 67% | 142 / 435 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 11.94% | 9.81% | 10.84% | 12.63% | Beats 67% | 142 / 435 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 88.38% | 78.33% | 88.38% | 95.61% | 50th pctl | 218 / 435 | ||
| Loans / Assets | 73.42% | 67.69% | 74.58% | 80.80% | 45th pctl | 240 / 435 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||