| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.8% | +3.9% | +2.9 pts |
| Share growth (YoY) | +6.0% | +3.3% | +2.7 pts |
| Loan growth (YoY) | +7.6% | +2.9% | +4.6 pts |
| ROA | 1.31% | 0.69% | +0.6 pts |
| ROE | 11.3% | 5.9% | +5.4 pts |
ROA ranks in the 84th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $266.0M | $236.6M | $209.6M | $30.9M | $873K | 1.31% | 4.96% | 0.79% | 17,805 |
| Q4 2025 | $256.9M | $227.1M | $207.3M | $30.3M | $3.8M | 1.47% | 4.89% | 1.17% | 17,815 |
| Q3 2025 | $250.3M | $222.6M | $201.2M | $29.4M | $2.9M | 1.54% | 4.90% | 1.64% | 17,859 |
| Q2 2025 | $252.7M | $226.3M | $197.5M | $28.5M | $2.0M | 1.61% | 4.75% | 1.73% | 18,002 |
| Q1 2025 | $249.0M | $223.1M | $194.8M | $27.5M | $980K | 1.57% | 4.67% | 1.40% | 18,007 |
| Q4 2024 | $253.0M | $217.0M | $194.6M | $26.8M | $2.7M | 1.08% | 4.20% | 1.35% | 17,948 |
| Q3 2024 | $256.1M | $219.0M | $194.3M | $26.1M | $2.0M | 1.06% | 4.02% | 1.50% | 17,986 |
| Q2 2024 | $263.6M | $227.6M | $189.6M | $25.3M | $1.3M | 1.00% | 3.78% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.31% | 0.69% | 84th | |
Return on equity Annualized net income ÷ equity or net worth | 11.3% | 5.9% | 88th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.96% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 1.27% |
| 17,910 |
Loan mix (Q1 2026): real estate $64.1M · commercial $13.1M · consumer $114.8M · securities $21.9M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 68.2% | 78.7% | 21st |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loans per member Member borrowing depth | 00.0% | 00.0% | ||
Deposits per member Member relationship depth | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.
2 branches in 1 county across 1 state (+0 vs 2024). Biggest market: Wayne, MI, ranked 23rd with 0.4% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Wayne, MI | 2 | $226.3M* | 0.36% | 23rd |
Michigan: 139th with 0.06% · Detroit-Warren-Dearborn metro: 49th, 0.12% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 3 · 2023 3 · 2024 2 · 2025 2