Bessemer, MI · Charter 7644
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
89
Asset Quality
39
Profitability
94
Liquidity
0
Efficiency
95
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.
Bessemer, MI · Charter 7644
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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.65% | 2.62% | 2.05% | 2.45% | 2.45% | 2.40% | 2.37% | 2.41% | -4 bps | |
| Return on Equity | 18.02% | 17.12% | 13.44% | 15.55% | 15.10% | 14.70% | 14.28% | 13.99% | -156 bps | |
| Net Interest Margin | 4.86% | 4.91% | 5.00% | 5.06% | 5.09% | 4.93% | 4.76% | 4.83% | -23 bps | |
| Efficiency Ratio | 52.28% | 52.81% | 53.16% | 51.23% | 54.34% | 55.59% | 60.56% | 56.96% | +572 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.25% | -2.68% | 1.68% | 5.16% | 6.48% | 9.62% | 7.68% | 6.03% | +87 bps | |
| Loan Growth (YoY) | -1.18% | 0.02% | -2.03% | -3.09% | -8.07% | -13.34% | -14.00% | -10.48% | -738 bps | |
| Share Growth (YoY) | -7.13% | -5.60% | -0.23% | 3.80% | 4.47% | 8.36% | 5.84% | 4.11% | +31 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.24% | 1.32% | 0.30% | 0.19% | 0.45% | 0.73% | 0.49% | 0.89% | +71 bps | |
| Net Charge-Offs / Loans | n/a | n/a | 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% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 14.73% | 15.29% | 15.22% | 15.73% | 16.23% | 16.31% | 16.58% | 17.21% | +149 bps | |
| Net Worth / Assets | 14.73% | 15.29% | 15.22% | 15.73% | 16.23% | 16.31% | 16.58% | 17.21% | +149 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 47.37% | 47.44% | 44.05% | 43.29% | 41.68% | 37.94% | 35.79% | 37.22% | -607 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Bessemer, MI · Charter 7644 · Peer group: credit unions under $1B in assets in MI (n=56)
NCUA · 3 branches
Q2 2026
Return on Assets
2.41%
Rank 1 of 56
Net Interest Margin
4.84%
Rank 2 of 56
Efficiency Ratio
56.95%
Rank 4 of 56
Equity / Assets
17.21%
Rank 6 of 56
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 2.41% | 0.74% | 1.15% | 1.47% | Beats 98% | 1 / 56 | ||
| Return on Equity | 13.98% | 6.40% | 9.29% | 11.51% | Beats 88% | 7 / 56 | ||
| Net Interest Margin | 4.84% | 3.40% | 3.92% | 4.36% | Beats 96% | 2 / 56 | ||
| Efficiency Ratio | 56.95% | 65.99% | 72.16% | 78.25% | Beats 95% | 4 / 56 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.90% | 0.49% | 0.84% | 1.28% | Beats 39% | 35 / 56 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 17.21% | 10.20% | 12.14% | 14.32% | Beats 89% | 6 / 56 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 17.21% | 10.20% | 12.14% | 14.32% | Beats 89% | 6 / 56 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 37.22% | 52.28% | 65.96% | 76.17% | 7th pctl | 52 / 56 | ||
| Loans / Assets | 30.60% | 45.34% | 56.55% | 67.04% | 5th pctl | 53 / 56 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||