Fremont, MI · Charter 6832
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
23
Asset Quality
41
Profitability
24
Liquidity
78
Efficiency
32
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.
Fremont, MI · Charter 6832
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 | 0.69% | 0.95% | 0.99% | 0.38% | 0.74% | +4 bps | |
| Return on Equity | 7.18% | 9.51% | 9.77% | 3.83% | 7.24% | +7 bps | |
| Net Interest Margin | 3.03% | 3.11% | 3.12% | 3.11% | 3.20% | +17 bps | |
| Efficiency Ratio | 77.98% | 74.40% | 73.41% | 80.56% | 76.32% | -166 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 6.45% | 5.77% | 5.13% | 5.80% | 5.11% | -134 bps | |
| Loan Growth (YoY) | -0.36% | -0.30% | 1.00% | 1.37% | 1.57% | +193 bps | |
| Share Growth (YoY) | 5.60% | 4.20% | 3.95% | 4.87% | 4.19% | -140 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.75% | 0.61% | 0.92% | 0.69% | 0.89% | +15 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 | 9.66% | 9.95% | 10.15% | 9.98% | 10.19% | +53 bps | |
| Net Worth / Assets | 9.66% | 9.95% | 10.15% | 9.98% | 10.19% | +53 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 62.10% | 62.63% | 62.30% | 60.12% | 60.54% | -156 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Fremont, MI · Charter 6832 · Peer group: credit unions under $1B in assets in MI (n=56)
NCUA · 3 branches
Q2 2026
Return on Assets
0.74%
Rank 42 of 56
Net Interest Margin
3.20%
Rank 47 of 56
Efficiency Ratio
76.32%
Rank 39 of 56
Equity / Assets
10.19%
Rank 43 of 56
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.74% | 0.74% | 1.15% | 1.47% | Beats 25% | 42 / 56 | |
| Return on Equity | 7.24% | 6.40% | 9.29% | 11.51% | Beats 30% | 39 / 56 | |
| Net Interest Margin | 3.20% | 3.40% | 3.92% | 4.36% | Beats 16% | 47 / 56 | |
| Efficiency Ratio | 76.32% | 65.99% | 72.16% | 78.25% | Beats 32% | 39 / 56 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.89% | 0.49% | 0.84% | 1.28% | Beats 41% | 34 / 56 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 10.19% | 10.20% | 12.14% | 14.32% | Beats 23% | 43 / 56 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 10.19% | 10.20% | 12.14% | 14.32% | Beats 23% | 43 / 56 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 60.54% | 52.28% | 65.96% | 76.17% | 34th pctl | 37 / 56 | |
| Loans / Assets | 54.35% | 45.34% | 56.55% | 67.04% | 43rd pctl | 32 / 56 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||