Berrien Springs, MI · Charter 63004
NCUA · 29 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
69
Asset Quality
32
Profitability
64
Liquidity
85
Efficiency
19
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.
Berrien Springs, MI · Charter 63004
NCUA · 29 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 | 0.82% | 0.81% | 0.84% | 0.73% | 0.87% | +5 bps | |
| Return on Equity | 6.86% | 6.62% | 6.87% | 6.03% | 7.13% | +27 bps | |
| Net Interest Margin | 4.08% | 4.19% | 4.22% | 4.04% | 4.11% | +3 bps | |
| Efficiency Ratio | 78.51% | 78.63% | 78.77% | 80.28% | 79.14% | +63 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 5.56% | 4.52% | 6.07% | 4.88% | 5.23% | -33 bps | |
| Loan Growth (YoY) | 2.08% | 4.94% | 3.34% | 2.38% | 2.15% | +7 bps | |
| Share Growth (YoY) | 6.13% | 3.88% | 5.47% | 5.05% | 5.35% | -78 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.87% | 0.92% | 1.18% | 0.84% | 0.92% | +5 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 | 11.97% | 12.19% | 12.21% | 12.03% | 12.16% | +19 bps | |
| Net Worth / Assets | 11.97% | 12.19% | 12.21% | 12.03% | 12.16% | +19 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 87.48% | 90.07% | 88.35% | 84.53% | 84.82% | -266 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Berrien Springs, MI · Charter 63004 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 29 branches
Q2 2026
Return on Assets
0.87%
Rank 193 of 435
Net Interest Margin
4.11%
Rank 38 of 435
Efficiency Ratio
79.14%
Rank 352 of 435
Equity / Assets
12.16%
Rank 134 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.87% | 0.55% | 0.81% | 1.14% | Beats 56% | 193 / 435 | |
| Return on Equity | 7.13% | 5.12% | 7.41% | 9.70% | Beats 46% | 233 / 435 | |
| Net Interest Margin | 4.11% | 3.01% | 3.39% | 3.75% | Beats 91% | 38 / 435 | |
| Efficiency Ratio | 79.14% | 65.25% | 71.39% | 77.86% | Beats 19% | 352 / 435 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.92% | 0.45% | 0.69% | 1.05% | Beats 32% | 296 / 435 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 12.16% | 9.81% | 10.84% | 12.63% | Beats 69% | 134 / 435 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 12.16% | 9.81% | 10.84% | 12.63% | Beats 69% | 134 / 435 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 84.82% | 78.33% | 88.38% | 95.61% | 40th pctl | 262 / 435 | |
| Loans / Assets | 73.11% | 67.69% | 74.58% | 80.80% | 43rd pctl | 246 / 435 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||