Traverse City, MI · Charter 6844
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
32
Asset Quality
48
Profitability
75
Liquidity
97
Efficiency
75
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.
Traverse City, MI · Charter 6844
NCUA · 3 branches
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 | 0.62% | 0.59% | 0.79% | 0.94% | 1.08% | 1.12% | 1.50% | 1.55% | +61 bps | |
| Return on Equity | 6.96% | 6.43% | 8.60% | 9.91% | 10.98% | 11.46% | 15.03% | 14.86% | +495 bps | |
| Net Interest Margin | 2.77% | 2.92% | 3.26% | 3.34% | 3.47% | 3.56% | 3.83% | 3.96% | +61 bps | |
| Efficiency Ratio | 81.43% | 79.96% | 71.61% | 72.43% | 71.05% | 70.73% | 66.29% | 66.00% | -643 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.82% | -1.80% | 1.75% | 0.91% | 1.68% | 5.28% | 4.51% | 4.07% | +315 bps | |
| Loan Growth (YoY) | -8.81% | -6.54% | -4.63% | 1.96% | 5.71% | 11.05% | 13.80% | 12.54% | +1,058 bps | |
| Share Growth (YoY) | -5.17% | -3.72% | -0.33% | -1.49% | 0.15% | 2.87% | 2.10% | 2.25% | +373 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.98% | 0.67% | 0.54% | 0.55% | 0.42% | 0.24% | 0.12% | 0.84% | +29 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 | 8.91% | 9.12% | 9.21% | 9.48% | 9.79% | 9.77% | 9.98% | 10.42% | +94 bps | |
| Net Worth / Assets | 8.91% | 9.12% | 9.21% | 9.48% | 9.79% | 9.77% | 9.98% | 10.42% | +94 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 58.34% | 58.73% | 57.07% | 59.93% | 61.58% | 63.40% | 63.61% | 65.96% | +603 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Traverse City, MI · Charter 6844 · Peer group: credit unions under $1B in assets in MI (n=56)
NCUA · 3 branches
Q2 2026
Return on Assets
1.55%
Rank 12 of 56
Net Interest Margin
3.96%
Rank 27 of 56
Efficiency Ratio
65.99%
Rank 15 of 56
Equity / Assets
10.42%
Rank 38 of 56
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.55% | 0.74% | 1.15% | 1.47% | Beats 79% | 12 / 56 | ||
| Return on Equity | 14.86% | 6.40% | 9.29% | 11.51% | Beats 93% | 4 / 56 | ||
| Net Interest Margin | 3.96% | 3.40% | 3.92% | 4.36% | Beats 52% | 27 / 56 | ||
| Efficiency Ratio | 65.99% | 65.99% | 72.16% | 78.25% | Beats 75% | 15 / 56 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.84% | 0.49% | 0.84% | 1.28% | Beats 48% | 30 / 56 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 10.42% | 10.20% | 12.14% | 14.32% | Beats 32% | 38 / 56 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 10.42% | 10.20% | 12.14% | 14.32% | Beats 32% | 38 / 56 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 65.96% | 52.28% | 65.96% | 76.17% | 50th pctl | 28 / 56 | ||
| Loans / Assets | 59.09% | 45.34% | 56.55% | 67.04% | 55th pctl | 25 / 56 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||