Muskegon, MI · Charter 7509
NCUA · 2 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 (n=1,681 to 1,683). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
31
Asset Quality
81
Profitability
34
Liquidity
23
Efficiency
38
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.
Muskegon, MI · Charter 7509
NCUA · 2 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 | 0.53% | 0.53% | 0.45% | 0.73% | 0.60% | +7 bps | |
| Return on Equity | 4.95% | 4.87% | 4.02% | 6.75% | 5.49% | +54 bps | |
| Net Interest Margin | 2.67% | 2.77% | 2.91% | 3.06% | 3.10% | +43 bps | |
| Efficiency Ratio | 76.56% | 79.31% | 82.22% | 78.69% | 82.16% | +559 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 9.41% | 5.45% | 1.00% | 4.11% | 2.29% | -713 bps | |
| Loan Growth (YoY) | 7.62% | 8.09% | 9.68% | 8.67% | 7.03% | -59 bps | |
| Share Growth (YoY) | 9.60% | 5.68% | 0.42% | 3.86% | 1.74% | -786 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.25% | 0.15% | 0.34% | 0.12% | 0.18% | -8 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 | 10.80% | 10.97% | 11.17% | 10.83% | 10.97% | +17 bps | |
| Net Worth / Assets | 10.80% | 10.97% | 11.17% | 10.83% | 10.97% | +17 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 43.63% | 44.94% | 46.75% | 44.46% | 45.90% | +227 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Muskegon, MI · Charter 7509 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 2 branches
Q2 2026
Return on Assets
0.60%
Rank 1,010 of 1,683
Net Interest Margin
3.10%
Rank 1,391 of 1,683
Efficiency Ratio
82.21%
Rank 1,044 of 1,682
Equity / Assets
10.97%
Rank 1,163 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.60% | 0.35% | 0.74% | 1.18% | Beats 40% | 1,010 / 1,683 | |
| Return on Equity | 5.48% | 2.67% | 5.89% | 8.74% | Beats 46% | 901 / 1,681 | |
| Net Interest Margin | 3.10% | 3.31% | 3.82% | 4.32% | Beats 17% | 1,391 / 1,683 | |
| Efficiency Ratio | 82.21% | 68.91% | 78.20% | 86.93% | Beats 38% | 1,044 / 1,682 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.18% | 0.26% | 0.65% | 1.29% | Beats 81% | 324 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 10.97% | 10.44% | 12.89% | 16.53% | Beats 31% | 1,163 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 10.97% | 10.44% | 12.89% | 16.53% | Beats 31% | 1,163 / 1,683 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 45.90% | 52.61% | 69.38% | 83.50% | 17th pctl | 1,392 / 1,683 | |
| Loans / Assets | 40.42% | 44.71% | 59.18% | 70.72% | 19th pctl | 1,355 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||