Lansing, MI · Charter 68632
NCUA · 10 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
99
Asset Quality
18
Profitability
38
Liquidity
73
Efficiency
22
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.
Lansing, MI · Charter 68632
NCUA · 10 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 | 13.36% | 9.56% | 0.86% | 0.98% | 0.82% | 0.57% | 0.36% | 0.31% | -66 bps | |
| Return on Equity | 64.27% | 47.67% | 4.34% | 4.83% | 4.02% | 2.79% | 1.75% | 1.52% | -330 bps | |
| Net Interest Margin | 3.74% | 3.81% | 4.11% | 4.21% | 4.29% | 4.35% | 4.53% | 4.57% | +36 bps | |
| Efficiency Ratio | 20.21% | 26.94% | 73.05% | 71.07% | 70.36% | 71.52% | 80.71% | 78.61% | +754 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.96% | 9.65% | 8.74% | 1.82% | 1.72% | 0.88% | -1.61% | -1.94% | -376 bps | |
| Loan Growth (YoY) | -1.80% | -3.94% | -3.59% | -2.25% | -0.88% | 1.32% | 1.56% | -5.93% | -368 bps | |
| Share Growth (YoY) | 2.04% | 2.73% | 1.26% | 1.45% | 1.70% | 0.20% | -2.65% | -2.85% | -430 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.40% | 1.69% | 1.15% | 1.14% | 1.30% | 1.35% | 1.05% | 1.24% | +10 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 | 20.79% | 20.06% | 19.84% | 20.22% | 20.49% | 20.27% | 20.42% | 20.67% | +45 bps | |
| Net Worth / Assets | 20.79% | 20.06% | 19.84% | 20.22% | 20.49% | 20.27% | 20.42% | 20.67% | +45 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 88.92% | 86.29% | 83.26% | 84.78% | 86.67% | 87.25% | 86.86% | 82.09% | -269 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Lansing, MI · Charter 68632 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 10 branches
Q2 2026
Return on Assets
0.31%
Rank 386 of 435
Net Interest Margin
4.57%
Rank 12 of 435
Efficiency Ratio
78.61%
Rank 340 of 435
Equity / Assets
20.67%
Rank 4 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.31% | 0.55% | 0.81% | 1.14% | Beats 11% | 386 / 435 | ||
| Return on Equity | 1.52% | 5.12% | 7.41% | 9.70% | Beats 6% | 408 / 435 | ||
| Net Interest Margin | 4.57% | 3.01% | 3.39% | 3.75% | Beats 97% | 12 / 435 | ||
| Efficiency Ratio | 78.61% | 65.25% | 71.39% | 77.86% | Beats 22% | 340 / 435 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.24% | 0.45% | 0.69% | 1.05% | Beats 18% | 358 / 435 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 20.67% | 9.81% | 10.84% | 12.63% | Beats 99% | 4 / 435 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 20.67% | 9.81% | 10.84% | 12.63% | Beats 99% | 4 / 435 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 82.09% | 78.33% | 88.38% | 95.61% | 33rd pctl | 291 / 435 | ||
| Loans / Assets | 65.03% | 67.69% | 74.58% | 80.80% | 19th pctl | 351 / 435 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||