Cheboygan, MI · Charter 7428
NCUA · 4 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
45
Asset Quality
2
Profitability
66
Liquidity
14
Efficiency
45
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.
Cheboygan, MI · Charter 7428
NCUA · 4 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 | 0.94% | 1.17% | 1.22% | 0.96% | 1.27% | +33 bps | |
| Return on Equity | 8.58% | 10.36% | 10.60% | 8.31% | 10.80% | +222 bps | |
| Net Interest Margin | 3.83% | 3.94% | 4.08% | 4.32% | 4.29% | +45 bps | |
| Efficiency Ratio | 79.01% | 74.40% | 72.25% | 78.27% | 73.74% | -526 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 8.03% | 3.49% | 3.75% | 6.17% | 5.70% | -233 bps | |
| Loan Growth (YoY) | 5.21% | 6.99% | 5.57% | 4.41% | 4.18% | -103 bps | |
| Share Growth (YoY) | 6.74% | 2.46% | 1.71% | 4.48% | 4.89% | -185 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.15% | 2.41% | 2.64% | 2.44% | 2.77% | +62 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 | 10.98% | 11.30% | 11.51% | 11.50% | 11.74% | +75 bps | |
| Net Worth / Assets | 10.98% | 11.30% | 11.51% | 11.50% | 11.74% | +75 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 47.13% | 48.03% | 47.29% | 46.02% | 46.81% | -32 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Cheboygan, MI · Charter 7428 · Peer group: credit unions under $1B in assets in MI (n=56)
NCUA · 4 branches
Q2 2026
Return on Assets
1.27%
Rank 23 of 56
Net Interest Margin
4.29%
Rank 16 of 56
Efficiency Ratio
73.73%
Rank 32 of 56
Equity / Assets
11.74%
Rank 31 of 56
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.27% | 0.74% | 1.15% | 1.47% | Beats 59% | 23 / 56 | |
| Return on Equity | 10.80% | 6.40% | 9.29% | 11.51% | Beats 68% | 18 / 56 | |
| Net Interest Margin | 4.29% | 3.40% | 3.92% | 4.36% | Beats 71% | 16 / 56 | |
| Efficiency Ratio | 73.73% | 65.99% | 72.16% | 78.25% | Beats 45% | 32 / 56 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 2.77% | 0.49% | 0.84% | 1.28% | Beats 2% | 56 / 56 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 11.74% | 10.20% | 12.14% | 14.32% | Beats 45% | 31 / 56 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 11.74% | 10.20% | 12.14% | 14.32% | Beats 45% | 31 / 56 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 46.81% | 52.28% | 65.96% | 76.17% | 14th pctl | 48 / 56 | |
| Loans / Assets | 40.87% | 45.34% | 56.55% | 67.04% | 21st pctl | 44 / 56 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||