Battle Creek, MI · Charter 68678
NCUA · 14 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
96
Asset Quality
78
Profitability
70
Liquidity
86
Efficiency
92
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.
Battle Creek, MI · Charter 68678
NCUA · 14 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 | 1.27% | 1.40% | 1.40% | 1.37% | 1.44% | +17 bps | |
| Return on Equity | 7.55% | 8.13% | 8.27% | 8.30% | 8.61% | +105 bps | |
| Net Interest Margin | 3.28% | 3.42% | 3.34% | 3.42% | 3.44% | +16 bps | |
| Efficiency Ratio | 66.72% | 64.75% | 64.03% | 58.50% | 57.24% | -947 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 3.97% | 3.56% | 5.96% | 8.10% | 9.90% | +593 bps | |
| Loan Growth (YoY) | 8.56% | 7.29% | 5.34% | 4.20% | 3.37% | -518 bps | |
| Share Growth (YoY) | 3.08% | 2.76% | 4.79% | 7.72% | 10.09% | +700 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.57% | 0.48% | 0.69% | 0.51% | 0.41% | -16 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 | 16.84% | 17.23% | 16.98% | 16.54% | 16.72% | -11 bps | |
| Net Worth / Assets | 16.84% | 17.23% | 16.98% | 16.54% | 16.72% | -11 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 90.62% | 93.07% | 90.03% | 85.12% | 85.09% | -552 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Battle Creek, MI · Charter 68678 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 14 branches
Q2 2026
Return on Assets
1.44%
Rank 42 of 435
Net Interest Margin
3.44%
Rank 198 of 435
Efficiency Ratio
57.25%
Rank 34 of 435
Equity / Assets
16.72%
Rank 19 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.44% | 0.55% | 0.81% | 1.14% | Beats 90% | 42 / 435 | |
| Return on Equity | 8.61% | 5.12% | 7.41% | 9.70% | Beats 65% | 153 / 435 | |
| Net Interest Margin | 3.44% | 3.01% | 3.39% | 3.75% | Beats 54% | 198 / 435 | |
| Efficiency Ratio | 57.25% | 65.25% | 71.39% | 77.86% | Beats 92% | 34 / 435 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.41% | 0.45% | 0.69% | 1.05% | Beats 78% | 95 / 435 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 16.72% | 9.81% | 10.84% | 12.63% | Beats 96% | 19 / 435 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 16.72% | 9.81% | 10.84% | 12.63% | Beats 96% | 19 / 435 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 85.09% | 78.33% | 88.38% | 95.61% | 42nd pctl | 254 / 435 | |
| Loans / Assets | 70.62% | 67.69% | 74.58% | 80.80% | 35th pctl | 283 / 435 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||