Ontonagon, MI · Charter 65085
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 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
75
Asset Quality
95
Profitability
90
Liquidity
84
Efficiency
93
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.
Ontonagon, MI · Charter 65085
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 | 3.03% | 3.01% | 2.37% | 2.46% | 2.54% | 2.39% | 1.90% | 2.19% | -27 bps | |
| Return on Equity | 27.00% | 25.04% | 19.35% | 19.15% | 19.00% | 17.27% | 13.55% | 15.28% | -387 bps | |
| Net Interest Margin | 4.97% | 5.01% | 4.71% | 4.76% | 4.77% | 4.75% | 4.44% | 4.44% | -32 bps | |
| Efficiency Ratio | 46.47% | 47.75% | 56.02% | 54.88% | 53.51% | 56.43% | 63.18% | 57.63% | +275 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.48% | -3.08% | 1.44% | 4.09% | 4.01% | 5.26% | 3.98% | 6.27% | +218 bps | |
| Loan Growth (YoY) | 14.43% | 11.67% | 1.60% | 5.44% | 2.83% | 9.90% | 10.93% | 13.72% | +828 bps | |
| Share Growth (YoY) | -8.87% | -6.57% | -1.45% | 1.52% | 1.59% | 3.17% | 1.88% | 4.50% | +298 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.07% | 0.34% | 0.05% | 0.52% | 0.38% | 0.66% | 0.06% | 0.17% | -35 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 | 11.22% | 12.04% | 12.23% | 12.86% | 13.38% | 13.83% | 14.00% | 14.32% | +146 bps | |
| Net Worth / Assets | 11.22% | 12.04% | 12.23% | 12.86% | 13.38% | 13.83% | 14.00% | 14.32% | +146 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 56.96% | 56.75% | 53.73% | 56.89% | 57.65% | 60.45% | 58.50% | 61.91% | +502 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Ontonagon, MI · Charter 65085 · Peer group: credit unions under $1B in assets in MI (n=56)
NCUA · 1 branch
Q2 2026
Return on Assets
2.19%
Rank 3 of 56
Net Interest Margin
4.44%
Rank 11 of 56
Efficiency Ratio
57.64%
Rank 5 of 56
Equity / Assets
14.32%
Rank 14 of 56
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 2.19% | 0.74% | 1.15% | 1.47% | Beats 95% | 3 / 56 | ||
| Return on Equity | 15.27% | 6.40% | 9.29% | 11.51% | Beats 95% | 3 / 56 | ||
| Net Interest Margin | 4.44% | 3.40% | 3.92% | 4.36% | Beats 80% | 11 / 56 | ||
| Efficiency Ratio | 57.64% | 65.99% | 72.16% | 78.25% | Beats 93% | 5 / 56 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.17% | 0.49% | 0.84% | 1.28% | Beats 95% | 4 / 56 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 14.32% | 10.20% | 12.14% | 14.32% | Beats 75% | 14 / 56 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 14.32% | 10.20% | 12.14% | 14.32% | Beats 75% | 14 / 56 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 61.90% | 52.28% | 65.96% | 76.17% | 39th pctl | 34 / 56 | ||
| Loans / Assets | 52.93% | 45.34% | 56.55% | 67.04% | 36th pctl | 36 / 56 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||