Lanse, MI · Charter 7672
NCUA · 1 branch
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
34
Asset Quality
75
Profitability
46
Liquidity
0
Efficiency
73
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.
Lanse, MI · Charter 7672
NCUA · 1 branch
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 | 0.50% | 0.60% | 0.39% | 0.63% | 0.94% | 1.16% | 1.11% | 1.22% | +59 bps | |
| Return on Equity | 5.16% | 6.10% | 6.57% | 6.52% | 9.59% | 11.32% | 10.85% | 11.63% | +511 bps | |
| Net Interest Margin | 2.20% | 2.24% | 2.35% | 2.52% | 2.61% | 2.69% | 2.94% | 3.01% | +48 bps | |
| Efficiency Ratio | 81.47% | 78.72% | 86.99% | 80.16% | 71.24% | 67.07% | 68.91% | 66.58% | -1,358 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.60% | 4.40% | 2.44% | 6.53% | 7.72% | 7.70% | 8.04% | 6.87% | +34 bps | |
| Loan Growth (YoY) | 4.14% | 4.53% | 1.49% | 4.56% | 7.89% | 3.32% | 5.47% | 3.02% | -154 bps | |
| Share Growth (YoY) | 1.87% | 2.71% | 0.63% | 3.12% | 3.96% | 5.15% | 5.71% | 5.11% | +199 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.10% | 0.02% | 0.13% | 0.10% | 0.11% | 0.21% | 0.35% | 0.49% | +39 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 | 9.61% | 9.76% | 5.92% | 9.72% | 9.85% | 10.22% | 10.25% | 10.48% | +77 bps | |
| Net Worth / Assets | 9.61% | 9.76% | 5.92% | 9.72% | 9.85% | 10.22% | 10.25% | 10.48% | +77 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 35.78% | 36.21% | 34.52% | 36.27% | 37.13% | 35.58% | 34.44% | 35.55% | -72 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Lanse, MI · Charter 7672 · Peer group: credit unions under $1B in assets in MI (n=56)
NCUA · 1 branch
Q2 2026
Return on Assets
1.22%
Rank 26 of 56
Net Interest Margin
3.01%
Rank 52 of 56
Efficiency Ratio
66.56%
Rank 16 of 56
Equity / Assets
10.48%
Rank 37 of 56
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.22% | 0.74% | 1.15% | 1.47% | Beats 54% | 26 / 56 | ||
| Return on Equity | 11.65% | 6.40% | 9.29% | 11.51% | Beats 77% | 13 / 56 | ||
| Net Interest Margin | 3.01% | 3.40% | 3.92% | 4.36% | Beats 7% | 52 / 56 | ||
| Efficiency Ratio | 66.56% | 65.99% | 72.16% | 78.25% | Beats 73% | 16 / 56 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.49% | 0.49% | 0.84% | 1.28% | Beats 75% | 15 / 56 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 10.48% | 10.20% | 12.14% | 14.32% | Beats 34% | 37 / 56 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 10.48% | 10.20% | 12.14% | 14.32% | Beats 34% | 37 / 56 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 35.55% | 52.28% | 65.96% | 76.17% | 5th pctl | 53 / 56 | ||
| Loans / Assets | 32.29% | 45.34% | 56.55% | 67.04% | 7th pctl | 52 / 56 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||