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St. Francis X

Petoskey, MI · Charter 7219

NCUA · 4 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, credit unions under $1B in assets in MI3

Basis

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.

Peer group

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.

Peer standing

Capital

71

Q2 2024Q2 2026peer median (50)

Asset Quality

98

Q2 2024Q2 2026peer median (50)

Profitability

41

Q2 2024Q2 2026peer median (50)

Liquidity

95

Q2 2024Q2 2026peer median

Efficiency

82

Q2 2024Q2 2026peer median (50)

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.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

St. Francis X

Petoskey, MI · Charter 7219

NCUA · 4 branches

Q2 2026

$268.8MAssets
$148.7MLoans
$231.2MShares
$37.3MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 1.28%, up 37 bps year over year; NIM at 3.15%.
  • Asset quality: problem loans at 0.11% of loans (+9 bps YoY).
  • Capital: net worth / assets of 13.89%, up 26 bps from a year ago.
  • Funding: loans stand at 64.33% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.28%+37 bps YoY

Net Interest Margin (YTD, annualized)

3.15%+35 bps YoY

Efficiency Ratio (YTD, annualized)

63.35%-789 bps YoY

Net Worth / Assets

13.89%+26 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.92%0.97%1.03%1.21%1.28%+37 bps
Return on Equity6.73%7.22%7.52%8.76%9.24%+251 bps
Net Interest Margin2.79%2.78%2.87%3.09%3.15%+35 bps
Efficiency Ratio71.24%70.30%68.94%65.88%63.35%-789 bps
Growth
Asset Growth (YoY)6.21%8.42%7.57%8.21%7.34%+113 bps
Loan Growth (YoY)3.26%4.61%7.53%5.40%7.60%+434 bps
Share Growth (YoY)5.93%8.40%7.25%8.00%7.29%+136 bps
Asset Quality
Delinquent Loans / Loans0.02%0.10%0.14%0.11%0.11%+9 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital13.63%13.40%13.73%13.81%13.89%+26 bps
Net Worth / Assets13.63%13.40%13.73%13.81%13.89%+26 bps
Liquidity & Funding
Loans / Shares64.14%63.52%65.12%63.80%64.33%+19 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

St. Francis X

Petoskey, MI · Charter 7219 · Peer group: credit unions under $1B in assets in MI (n=56)

NCUA · 4 branches

Q2 2026

$268.8MAssets
$148.7MLoans
$231.2MShares
$37.3MNet Worth

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 98% of credit unions under $1B in assets in MI (rank 2 of 56).
  • Widest gap: net interest margin trails 87% of credit unions under $1B in assets in MI (rank 49 of 56).
  • Overall: at or above the peer median on 5 of 7 directional measures.

Return on Assets

1.28%

Rank 21 of 56

Net Interest Margin

3.15%

Rank 49 of 56

Efficiency Ratio

63.35%

Rank 11 of 56

Equity / Assets

13.89%

Rank 16 of 56

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.28%0.74%1.15%1.47%Beats 63%21 / 56
Return on Equity9.24%6.40%9.29%11.51%Beats 48%29 / 56
Net Interest Margin3.15%3.40%3.92%4.36%Beats 13%49 / 56
Efficiency Ratio63.35%65.99%72.16%78.25%Beats 82%11 / 56
Asset Quality
Nonperforming Loans / Loans0.11%0.49%0.84%1.28%Beats 98%2 / 56
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio13.89%10.20%12.14%14.32%Beats 71%16 / 56
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets13.89%10.20%12.14%14.32%Beats 71%16 / 56
Liquidity & Funding
Loans / Deposits64.33%52.28%65.96%76.17%46th pctl30 / 56
Loans / Assets55.34%45.34%56.55%67.04%45th pctl31 / 56
Brokered Deposits / Depositsn/aNot reported for this institution