Manistique, MI · Charter 68743
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
38
Asset Quality
73
Profitability
30
Liquidity
0
Efficiency
12
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.
Manistique, MI · Charter 68743
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 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.75% | 0.90% | 0.92% | 0.90% | 0.44% | 0.51% | -39 bps | |
| Return on Equity | 7.18% | 8.34% | 8.48% | 8.23% | 4.04% | 4.76% | -358 bps | |
| Net Interest Margin | 4.05% | 4.17% | 4.28% | 4.26% | 4.15% | 4.09% | -7 bps | |
| Efficiency Ratio | 77.23% | 77.82% | 77.25% | 77.91% | 82.33% | 83.19% | +536 bps | |
| Growth | ||||||||
| Asset Growth (YoY) | n/a | n/a | n/a | n/a | 4.29% | 7.39% | n/a | |
| Loan Growth (YoY) | n/a | n/a | n/a | n/a | 2.83% | 3.60% | n/a | |
| Share Growth (YoY) | n/a | n/a | n/a | n/a | 3.73% | 7.18% | n/a | |
| Asset Quality | ||||||||
| Delinquent Loans / Loans | 0.70% | 0.63% | 0.77% | 0.80% | 0.64% | 0.55% | -8 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | ||||||||
| Risk-Based Capital | 10.46% | 10.77% | 10.90% | 10.87% | 10.84% | 10.73% | -4 bps | |
| Net Worth / Assets | 10.46% | 10.77% | 10.90% | 10.87% | 10.84% | 10.73% | -4 bps | |
| Liquidity & Funding | ||||||||
| Loans / Shares | 88.93% | 92.50% | 92.64% | 89.43% | 88.15% | 89.40% | -309 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Manistique, MI · Charter 68743 · Peer group: credit unions under $1B in assets in MI (n=56)
NCUA · 3 branches
Q2 2026
Return on Assets
0.51%
Rank 48 of 56
Net Interest Margin
4.09%
Rank 22 of 56
Efficiency Ratio
83.18%
Rank 50 of 56
Equity / Assets
10.73%
Rank 35 of 56
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.51% | 0.74% | 1.15% | 1.47% | Beats 14% | 48 / 56 | ||
| Return on Equity | 4.76% | 6.40% | 9.29% | 11.51% | Beats 16% | 47 / 56 | ||
| Net Interest Margin | 4.09% | 3.40% | 3.92% | 4.36% | Beats 61% | 22 / 56 | ||
| Efficiency Ratio | 83.18% | 65.99% | 72.16% | 78.25% | Beats 12% | 50 / 56 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.55% | 0.49% | 0.84% | 1.28% | Beats 73% | 16 / 56 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 10.73% | 10.20% | 12.14% | 14.32% | Beats 38% | 35 / 56 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 10.73% | 10.20% | 12.14% | 14.32% | Beats 38% | 35 / 56 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 89.40% | 52.28% | 65.96% | 76.17% | 93rd pctl | 4 / 56 | ||
| Loans / Assets | 78.61% | 45.34% | 56.55% | 67.04% | 95th pctl | 3 / 56 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||