Ishpeming, MI · Charter 6332
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 MI (n=56). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
18
Asset Quality
86
Profitability
38
Liquidity
87
Efficiency
29
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.
Ishpeming, MI · Charter 6332
NCUA · 3 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 | 0.37% | 0.48% | 0.60% | 0.83% | 0.95% | +57 bps | |
| Return on Equity | 3.88% | 4.87% | 6.06% | 8.54% | 9.45% | +557 bps | |
| Net Interest Margin | 2.89% | 3.00% | 3.09% | 3.25% | 3.39% | +50 bps | |
| Efficiency Ratio | 87.60% | 84.96% | 82.61% | 78.53% | 77.21% | -1,039 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -8.06% | -7.18% | -2.32% | 0.57% | 5.24% | +1,331 bps | |
| Loan Growth (YoY) | -9.67% | -6.77% | -3.96% | -0.61% | 6.74% | +1,641 bps | |
| Share Growth (YoY) | -2.63% | -0.15% | 2.81% | 4.34% | 4.46% | +709 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.10% | 0.10% | 0.27% | 0.24% | 0.31% | +21 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 | 9.61% | 9.79% | 9.84% | 9.74% | 10.00% | +39 bps | |
| Net Worth / Assets | 9.61% | 9.79% | 9.84% | 9.74% | 10.00% | +39 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 61.22% | 61.67% | 60.60% | 58.68% | 62.55% | +133 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Ishpeming, MI · Charter 6332 · Peer group: credit unions under $1B in assets in MI (n=56)
NCUA · 3 branches
Q2 2026
Return on Assets
0.95%
Rank 36 of 56
Net Interest Margin
3.39%
Rank 43 of 56
Efficiency Ratio
77.19%
Rank 41 of 56
Equity / Assets
10.00%
Rank 46 of 56
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.95% | 0.74% | 1.15% | 1.47% | Beats 36% | 36 / 56 | |
| Return on Equity | 9.45% | 6.40% | 9.29% | 11.51% | Beats 54% | 26 / 56 | |
| Net Interest Margin | 3.39% | 3.40% | 3.92% | 4.36% | Beats 23% | 43 / 56 | |
| Efficiency Ratio | 77.19% | 65.99% | 72.16% | 78.25% | Beats 29% | 41 / 56 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.31% | 0.49% | 0.84% | 1.28% | Beats 86% | 9 / 56 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 10.00% | 10.20% | 12.14% | 14.32% | Beats 18% | 46 / 56 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 10.00% | 10.20% | 12.14% | 14.32% | Beats 18% | 46 / 56 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 62.55% | 52.28% | 65.96% | 76.17% | 43rd pctl | 32 / 56 | |
| Loans / Assets | 56.55% | 45.34% | 56.55% | 67.04% | 50th pctl | 28 / 56 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||