Wyoming, MI · Charter 8119
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 the Grand Rapids-Wyoming-Kentwood, MI area (n=24). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
67
Asset Quality
79
Profitability
75
Liquidity
0
Efficiency
79
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.
Wyoming, MI · Charter 8119
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 | 1.83% | 1.46% | 0.21% | 0.75% | 1.08% | 1.29% | 1.16% | 1.28% | +53 bps | |
| Return on Equity | 13.81% | 10.67% | 1.55% | 5.12% | 7.10% | 8.41% | 7.58% | 7.99% | +287 bps | |
| Net Interest Margin | 3.90% | 4.13% | 3.97% | 4.30% | 4.45% | 4.48% | 4.40% | 4.62% | +32 bps | |
| Efficiency Ratio | 67.89% | 67.30% | 70.24% | 72.63% | 71.77% | 70.66% | 77.43% | 72.32% | -32 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.55% | 8.39% | 6.83% | -3.66% | -7.88% | -3.03% | -1.78% | 1.24% | +490 bps | |
| Loan Growth (YoY) | 10.40% | 1.54% | -1.16% | -2.23% | 4.90% | 7.86% | 14.85% | 22.74% | +2,497 bps | |
| Share Growth (YoY) | 8.90% | 6.73% | 7.10% | -4.98% | -10.08% | -4.37% | -3.51% | -0.65% | +432 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.38% | 0.53% | 0.14% | 0.02% | 0.21% | 0.50% | 0.26% | 0.22% | +19 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 | 13.27% | 13.65% | 13.59% | 14.69% | 15.28% | 15.37% | 15.34% | 16.08% | +139 bps | |
| Net Worth / Assets | 13.27% | 13.65% | 13.59% | 14.69% | 15.28% | 15.37% | 15.34% | 16.08% | +139 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 80.97% | 83.20% | 80.07% | 85.90% | 94.46% | 93.85% | 95.30% | 106.12% | +2,022 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Wyoming, MI · Charter 8119 · Peer group: credit unions under $1B in assets in the Grand Rapids-Wyoming-Kentwood, MI area (n=24)
NCUA · 1 branch
Q2 2026
Return on Assets
1.28%
Rank 5 of 24
Net Interest Margin
4.63%
Rank 4 of 24
Efficiency Ratio
72.27%
Rank 6 of 24
Equity / Assets
16.08%
Rank 8 of 24
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.28% | 0.59% | 0.96% | 1.22% | Beats 79% | 5 / 24 | ||
| Return on Equity | 7.98% | 4.08% | 7.52% | 9.09% | Beats 63% | 9 / 24 | ||
| Net Interest Margin | 4.63% | 3.56% | 3.83% | 4.19% | Beats 83% | 4 / 24 | ||
| Efficiency Ratio | 72.27% | 75.24% | 78.47% | 83.50% | Beats 79% | 6 / 24 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.22% | 0.27% | 0.41% | 0.73% | Beats 79% | 6 / 24 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 16.08% | 10.28% | 13.92% | 16.80% | Beats 67% | 8 / 24 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 16.08% | 10.28% | 13.92% | 16.80% | Beats 67% | 8 / 24 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 106.12% | 55.12% | 69.25% | 80.19% | 96th pctl | 1 / 24 | ||
| Loans / Assets | 88.87% | 45.19% | 59.32% | 70.04% | 96th pctl | 1 / 24 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||