Grand Blanc, MI · Charter 68708
NCUA · 16 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
38
Asset Quality
63
Profitability
40
Liquidity
96
Efficiency
42
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.
Grand Blanc, MI · Charter 68708
NCUA · 16 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 | 0.46% | 0.53% | 0.54% | 0.63% | 0.55% | +9 bps | |
| Return on Equity | 4.39% | 4.87% | 5.03% | 6.16% | 5.29% | +91 bps | |
| Net Interest Margin | 3.27% | 3.46% | 3.49% | 3.58% | 3.64% | +37 bps | |
| Efficiency Ratio | 78.94% | 78.56% | 79.28% | 70.33% | 73.64% | -530 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 1.62% | -2.04% | -0.36% | 3.65% | 5.34% | +372 bps | |
| Loan Growth (YoY) | 0.56% | -1.71% | 3.50% | -0.11% | 7.39% | +683 bps | |
| Share Growth (YoY) | 1.65% | -2.71% | 1.51% | 5.97% | 7.41% | +576 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.76% | 0.77% | 1.04% | 0.71% | 0.57% | -19 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 | 10.40% | 10.87% | 10.73% | 10.22% | 10.41% | +1 bps | |
| Net Worth / Assets | 10.40% | 10.87% | 10.73% | 10.22% | 10.41% | +1 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 88.94% | 93.47% | 90.09% | 82.99% | 88.93% | -2 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Grand Blanc, MI · Charter 68708 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 16 branches
Q2 2026
Return on Assets
0.55%
Rank 329 of 435
Net Interest Margin
3.64%
Rank 143 of 435
Efficiency Ratio
73.64%
Rank 253 of 435
Equity / Assets
10.41%
Rank 268 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.55% | 0.55% | 0.81% | 1.14% | Beats 24% | 329 / 435 | |
| Return on Equity | 5.29% | 5.12% | 7.41% | 9.70% | Beats 28% | 315 / 435 | |
| Net Interest Margin | 3.64% | 3.01% | 3.39% | 3.75% | Beats 67% | 143 / 435 | |
| Efficiency Ratio | 73.64% | 65.25% | 71.39% | 77.86% | Beats 42% | 253 / 435 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.57% | 0.45% | 0.69% | 1.05% | Beats 63% | 162 / 435 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 10.41% | 9.81% | 10.84% | 12.63% | Beats 38% | 268 / 435 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 10.41% | 9.81% | 10.84% | 12.63% | Beats 38% | 268 / 435 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 88.93% | 78.33% | 88.38% | 95.61% | 52nd pctl | 208 / 435 | |
| Loans / Assets | 78.26% | 67.69% | 74.58% | 80.80% | 62nd pctl | 165 / 435 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||