Dunbar, PA · Charter 841
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 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
88
Asset Quality
83
Profitability
79
Liquidity
60
Efficiency
100
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.
Dunbar, PA · Charter 841
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 | 2.23% | 2.18% | 2.04% | 1.78% | 1.87% | -35 bps | |
| Return on Equity | 12.94% | 11.69% | 10.89% | 9.60% | 9.01% | -394 bps | |
| Net Interest Margin | 4.20% | 4.48% | 4.25% | 3.77% | 4.18% | -2 bps | |
| Efficiency Ratio | 48.29% | 54.60% | 51.45% | 53.66% | 55.66% | +737 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 7.37% | 6.00% | 5.68% | 5.74% | -9.09% | -1,645 bps | |
| Loan Growth (YoY) | 2.33% | 4.19% | 1.88% | 3.59% | -0.11% | -244 bps | |
| Share Growth (YoY) | -5.25% | 3.52% | 4.13% | 4.00% | -2.86% | +239 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.09% | 0.48% | 0.55% | 0.43% | 0.18% | -91 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.30% | 0.74% | 0.75% | 0.80% | 0.87% | -42 bps | |
| Capital | |||||||
| Risk-Based Capital | 17.21% | 18.61% | 18.71% | 18.56% | 20.81% | +360 bps | |
| Net Worth / Assets | 17.21% | 18.61% | 18.71% | 18.56% | 20.81% | +360 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 73.54% | 72.24% | 68.30% | 68.13% | 75.62% | +208 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Dunbar, PA · Charter 841 · Peer group: credit unions under $1B in assets in the Grand Rapids-Wyoming-Kentwood, MI area (n=24)
NCUA · 2 branches
Q2 2026
Return on Assets
1.88%
Rank 2 of 24
Net Interest Margin
4.19%
Rank 6 of 24
Efficiency Ratio
55.32%
Rank 1 of 24
Equity / Assets
20.81%
Rank 3 of 24
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.88% | 0.59% | 0.96% | 1.22% | Beats 92% | 2 / 24 | |
| Return on Equity | 9.02% | 4.08% | 7.52% | 9.09% | Beats 71% | 7 / 24 | |
| Net Interest Margin | 4.19% | 3.56% | 3.83% | 4.19% | Beats 75% | 6 / 24 | |
| Efficiency Ratio | 55.32% | 75.24% | 78.47% | 83.50% | Beats 100% | 1 / 24 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.18% | 0.27% | 0.41% | 0.73% | Beats 83% | 5 / 24 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 20.81% | 10.28% | 13.92% | 16.80% | Beats 88% | 3 / 24 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 20.81% | 10.28% | 13.92% | 16.80% | Beats 88% | 3 / 24 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 75.63% | 55.12% | 69.25% | 80.19% | 67th pctl | 8 / 24 | |
| Loans / Assets | 59.32% | 45.19% | 59.32% | 70.04% | 50th pctl | 12 / 24 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||