Saginaw, MI · Charter 68703
NCUA · 5 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
27
Asset Quality
77
Profitability
22
Liquidity
81
Efficiency
9
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.
Saginaw, MI · Charter 68703
NCUA · 5 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 | 0.75% | 0.66% | 0.80% | 0.40% | 0.42% | -32 bps | |
| Return on Equity | 7.49% | 6.50% | 7.75% | 3.95% | 4.12% | -337 bps | |
| Net Interest Margin | 3.50% | 3.57% | 3.63% | 3.66% | 3.68% | +18 bps | |
| Efficiency Ratio | 81.31% | 82.18% | 79.32% | 88.11% | 86.97% | +566 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 1.50% | 2.53% | 1.53% | 2.06% | 2.56% | +106 bps | |
| Loan Growth (YoY) | -4.18% | -3.28% | -0.41% | 1.03% | 3.51% | +769 bps | |
| Share Growth (YoY) | -1.34% | -0.59% | 1.73% | 3.45% | 4.25% | +559 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.20% | 0.25% | 0.30% | 0.38% | 0.43% | +23 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 | 9.96% | 10.09% | 10.31% | 10.17% | 10.28% | +32 bps | |
| Net Worth / Assets | 9.96% | 10.09% | 10.31% | 10.17% | 10.28% | +32 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 61.75% | 62.62% | 62.06% | 60.01% | 61.31% | -44 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Saginaw, MI · Charter 68703 · Peer group: credit unions under $1B in assets in MI (n=56)
NCUA · 5 branches
Q2 2026
Return on Assets
0.42%
Rank 49 of 56
Net Interest Margin
3.68%
Rank 34 of 56
Efficiency Ratio
86.97%
Rank 52 of 56
Equity / Assets
10.28%
Rank 41 of 56
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.42% | 0.74% | 1.15% | 1.47% | Beats 13% | 49 / 56 | |
| Return on Equity | 4.12% | 6.40% | 9.29% | 11.51% | Beats 13% | 49 / 56 | |
| Net Interest Margin | 3.68% | 3.40% | 3.92% | 4.36% | Beats 39% | 34 / 56 | |
| Efficiency Ratio | 86.97% | 65.99% | 72.16% | 78.25% | Beats 9% | 52 / 56 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.43% | 0.49% | 0.84% | 1.28% | Beats 77% | 14 / 56 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 10.28% | 10.20% | 12.14% | 14.32% | Beats 27% | 41 / 56 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 10.28% | 10.20% | 12.14% | 14.32% | Beats 27% | 41 / 56 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 61.31% | 52.28% | 65.96% | 76.17% | 38th pctl | 35 / 56 | |
| Loans / Assets | 52.63% | 45.34% | 56.55% | 67.04% | 34th pctl | 37 / 56 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||