| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.1% | +4.7% | +3.4 pts |
| Share growth (YoY) | +7.6% | +4.2% | +3.4 pts |
| Loan growth (YoY) | +11.4% | +4.3% | +7.1 pts |
| ROA | 1.39% | 0.75% | +0.6 pts |
| ROE | 11.4% | 6.9% | +4.5 pts |
ROA ranks in the 87th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $975.7M | $848.5M | $614.6M | $118.8M | $6.8M | 1.39% | 3.40% | 0.85% | 50,248 |
| Q1 2026 | $957.6M | $835.5M | $589.8M | $115.7M | $3.7M | 1.53% | 3.41% | 0.61% | 49,570 |
| Q4 2025 | $930.8M | $810.9M | $588.5M | $112.0M | $13.4M | 1.44% | 3.40% | 0.79% | 49,171 |
| Q3 2025 | $918.8M | $800.9M | $573.5M | $109.8M | $10.8M | 1.57% | 3.38% | 0.73% | 48,818 |
| Q2 2025 | $902.9M | $788.4M | $551.7M | $105.7M | $6.7M | 1.49% | 3.33% | 0.64% | 48,251 |
| Q1 2025 | $881.7M | $773.4M | $519.7M | $102.2M | $3.2M | 1.46% | 3.27% | 0.50% | 48,198 |
| Q4 2024 | $861.4M | $755.5M | $511.8M | $99.0M | $10.7M | 1.25% | 3.20% | 0.72% | 47,873 |
| Q3 2024 | $841.8M | $737.8M | $490.8M | $97.1M | $8.5M | 1.35% |
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.39% | 0.75% | 87th | |
Return on equity Annualized net income ÷ equity or net worth | 11.4% | 6.9% | 86th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.40% | 3.54% |
Peer lists, growth filters, CSV export, CRM push.
| 3.23% |
| 0.72% |
| 47,316 |
| Q2 2024 | $821.6M | $720.2M | $474.6M | $93.9M | $5.3M | 1.29% | 3.22% | 0.73% | 46,733 |
Loan mix (Q2 2026): real estate $205.9M · commercial $58.5M · consumer $255.5M · securities $183.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 59.3% | 77.1% | 8th |
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.
13 branches in 6 counties across 1 state (+0 vs 2025). Biggest market: Alpena, MI, ranked 1st with 27.7% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Alpena, MI | 4 | $261.1M* | 27.68% | 1st |
| Iosco, MI | 3 | $195.8M* | 27.25% | 1st |
| Alcona, MI | 2 | $130.5M* | 56.62% | 1st |
| 3 more counties with Pro → | ||||
Michigan: 58th with 0.21% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 10 · 2023 13 · 2024 13 · 2025 13 · 2026 13