Marquette, MI · Charter 7873
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 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
80
Asset Quality
45
Profitability
80
Liquidity
73
Efficiency
96
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.
Marquette, MI · Charter 7873
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 | 2.10% | 2.23% | 2.07% | 2.14% | 2.11% | +1 bps | |
| Return on Equity | 15.62% | 15.63% | 14.41% | 14.77% | 14.14% | -148 bps | |
| Net Interest Margin | 4.09% | 4.20% | 4.13% | 3.96% | 4.07% | -2 bps | |
| Efficiency Ratio | 54.69% | 53.21% | 55.75% | 54.60% | 55.18% | +48 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 0.29% | 1.70% | 5.91% | 4.96% | 4.43% | +415 bps | |
| Loan Growth (YoY) | -0.48% | -0.74% | -0.51% | -0.31% | 6.61% | +709 bps | |
| Share Growth (YoY) | -2.04% | -0.82% | 4.13% | 2.66% | 3.09% | +513 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.03% | 0.83% | 0.61% | 0.72% | 0.85% | -17 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 | 13.44% | 14.23% | 14.34% | 14.48% | 14.92% | +148 bps | |
| Net Worth / Assets | 13.44% | 14.23% | 14.34% | 14.48% | 14.92% | +148 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 57.53% | 60.84% | 57.87% | 56.03% | 59.49% | +196 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Marquette, MI · Charter 7873 · Peer group: credit unions under $1B in assets in MI (n=56)
NCUA · 2 branches
Q2 2026
Return on Assets
2.11%
Rank 6 of 56
Net Interest Margin
4.07%
Rank 23 of 56
Efficiency Ratio
55.20%
Rank 3 of 56
Equity / Assets
14.92%
Rank 11 of 56
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 2.11% | 0.74% | 1.15% | 1.47% | Beats 89% | 6 / 56 | |
| Return on Equity | 14.14% | 6.40% | 9.29% | 11.51% | Beats 91% | 5 / 56 | |
| Net Interest Margin | 4.07% | 3.40% | 3.92% | 4.36% | Beats 59% | 23 / 56 | |
| Efficiency Ratio | 55.20% | 65.99% | 72.16% | 78.25% | Beats 96% | 3 / 56 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.85% | 0.49% | 0.84% | 1.28% | Beats 45% | 32 / 56 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 14.92% | 10.20% | 12.14% | 14.32% | Beats 80% | 11 / 56 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 14.92% | 10.20% | 12.14% | 14.32% | Beats 80% | 11 / 56 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 59.49% | 52.28% | 65.96% | 76.17% | 30th pctl | 39 / 56 | |
| Loans / Assets | 49.90% | 45.34% | 56.55% | 67.04% | 30th pctl | 39 / 56 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||