Sterling Height, MI · Charter 63805
NCUA · 11 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
29
Asset Quality
75
Profitability
38
Liquidity
77
Efficiency
15
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.
Sterling Height, MI · Charter 63805
NCUA · 11 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 | 0.61% | 0.56% | 0.57% | 0.57% | 0.70% | +9 bps | |
| Return on Equity | 5.88% | 5.61% | 5.80% | 5.88% | 7.05% | +117 bps | |
| Net Interest Margin | 2.75% | 2.62% | 2.68% | 2.99% | 3.08% | +33 bps | |
| Efficiency Ratio | 84.14% | 83.37% | 82.80% | 84.23% | 80.47% | -367 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 9.53% | 21.31% | 21.21% | 20.54% | 19.80% | +1,027 bps | |
| Loan Growth (YoY) | 13.45% | 21.89% | 19.05% | 17.73% | 17.23% | +378 bps | |
| Share Growth (YoY) | 10.07% | 21.89% | 22.34% | 21.54% | 20.65% | +1,059 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.33% | 0.29% | 0.31% | 0.22% | 0.46% | +12 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 | 10.35% | 10.03% | 9.86% | 9.76% | 9.93% | -42 bps | |
| Net Worth / Assets | 10.35% | 10.03% | 9.86% | 9.76% | 9.93% | -42 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 85.43% | 84.00% | 81.69% | 80.93% | 83.00% | -243 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Sterling Height, MI · Charter 63805 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 11 branches
Q2 2026
Return on Assets
0.70%
Rank 271 of 435
Net Interest Margin
3.08%
Rank 304 of 435
Efficiency Ratio
80.47%
Rank 369 of 435
Equity / Assets
9.93%
Rank 311 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.70% | 0.55% | 0.81% | 1.14% | Beats 38% | 271 / 435 | |
| Return on Equity | 7.04% | 5.12% | 7.41% | 9.70% | Beats 46% | 237 / 435 | |
| Net Interest Margin | 3.08% | 3.01% | 3.39% | 3.75% | Beats 30% | 304 / 435 | |
| Efficiency Ratio | 80.47% | 65.25% | 71.39% | 77.86% | Beats 15% | 369 / 435 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.46% | 0.45% | 0.69% | 1.05% | Beats 75% | 111 / 435 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 9.93% | 9.81% | 10.84% | 12.63% | Beats 29% | 311 / 435 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 9.93% | 9.81% | 10.84% | 12.63% | Beats 29% | 311 / 435 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 83.00% | 78.33% | 88.38% | 95.61% | 35th pctl | 282 / 435 | |
| Loans / Assets | 73.01% | 67.69% | 74.58% | 80.80% | 43rd pctl | 247 / 435 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||