Traverse City, MI · Charter 8077
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 (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
85
Asset Quality
15
Profitability
69
Liquidity
71
Efficiency
47
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.
Traverse City, MI · Charter 8077
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 | 1.68% | 1.67% | 1.55% | 1.69% | 1.81% | 1.69% | 1.03% | 1.20% | -50 bps | |
| Return on Equity | 10.61% | 10.61% | 9.40% | 9.80% | 9.86% | 9.14% | 5.55% | 6.16% | -364 bps | |
| Net Interest Margin | 4.45% | 4.45% | 4.62% | 4.82% | 4.84% | 4.69% | 4.38% | 4.43% | -38 bps | |
| Efficiency Ratio | 70.35% | 68.85% | 68.49% | 69.86% | 69.40% | 70.71% | 84.52% | 79.13% | +927 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -7.82% | -3.19% | -2.57% | -2.38% | -3.93% | -6.73% | -3.32% | -4.36% | -199 bps | |
| Loan Growth (YoY) | 6.15% | 1.60% | -8.03% | -10.58% | -8.34% | -7.84% | -9.32% | -11.64% | -106 bps | |
| Share Growth (YoY) | -8.24% | -3.40% | -3.91% | -3.91% | -6.36% | -8.79% | -4.28% | -4.53% | -61 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.93% | 0.84% | 1.14% | 0.64% | 0.75% | 1.12% | 1.35% | 1.88% | +124 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 | 15.85% | 15.70% | 16.49% | 17.29% | 18.34% | 18.47% | 18.53% | 19.47% | +218 bps | |
| Net Worth / Assets | 15.85% | 15.70% | 16.49% | 17.29% | 18.34% | 18.47% | 18.53% | 19.47% | +218 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 70.31% | 65.58% | 65.12% | 65.23% | 68.82% | 66.26% | 61.69% | 60.37% | -486 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Traverse City, MI · Charter 8077 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
1.20%
Rank 406 of 1,683
Net Interest Margin
4.43%
Rank 364 of 1,683
Efficiency Ratio
79.16%
Rank 892 of 1,682
Equity / Assets
19.47%
Rank 245 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.20% | 0.35% | 0.74% | 1.18% | Beats 76% | 406 / 1,683 | ||
| Return on Equity | 6.15% | 2.67% | 5.89% | 8.74% | Beats 53% | 793 / 1,681 | ||
| Net Interest Margin | 4.43% | 3.31% | 3.82% | 4.32% | Beats 78% | 364 / 1,683 | ||
| Efficiency Ratio | 79.16% | 68.91% | 78.20% | 86.93% | Beats 47% | 892 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.87% | 0.26% | 0.65% | 1.29% | Beats 15% | 1,425 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 19.47% | 10.44% | 12.89% | 16.53% | Beats 85% | 245 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 19.47% | 10.44% | 12.89% | 16.53% | Beats 85% | 245 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 60.37% | 52.61% | 69.38% | 83.50% | 35th pctl | 1,091 / 1,683 | ||
| Loans / Assets | 47.70% | 44.71% | 59.18% | 70.72% | 30th pctl | 1,179 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||