| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.1% | +1.3% | +0.8 pts |
| Share growth (YoY) | -0.2% | +0.9% | -1.1 pts |
| Loan growth (YoY) | +2.9% | -2.6% | +5.5 pts |
| ROA | 1.37% | 0.65% | +0.7 pts |
| ROE | 9.7% | 4.4% | +5.3 pts |
ROA ranks in the 82nd percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $35.6M | $30.2M | $15.7M | $5.0M | $243K | 1.37% | 3.79% | 0.21% | 2,251 |
| Q1 2026 | $35.5M | $30.3M | $15.4M | $4.9M | $125K | 1.40% | 3.81% | 0.05% | 2,254 |
| Q4 2025 | $34.9M | $29.6M | $15.8M | $4.8M | $561K | 1.61% | 3.59% | 0.10% | 2,255 |
| Q3 2025 | $34.4M | $29.4M | $15.5M | $4.7M | $474K | 1.83% | 3.47% | 0.23% | 2,260 |
| Q2 2025 | $34.8M | $30.3M | $15.2M | $4.4M | $191K | 1.09% | 3.37% | 0.31% | 2,279 |
| Q1 2025 | $33.8M | $29.5M | $14.8M | $4.3M | $115K | 1.36% | 3.36% | 0.05% | 2,310 |
| Q4 2024 | $32.6M | $28.1M | $15.0M | $4.2M | $920K | 2.82% | 3.26% | 0.17% | 2,307 |
| Q3 2024 | $32.1M | $27.8M | $14.7M | $4.0M | $763K | 3.17% | 3.17% | 0.14% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.37% | 0.65% | 82nd | |
Return on equity Annualized net income ÷ equity or net worth | 9.7% | 4.4% | 84th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.79% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 2,317 |
| Q2 2024 | $32.5M | $28.4M | $14.5M | $3.8M | $525K | 3.24% | 3.04% | 0.23% | 2,315 |
Loan mix (Q2 2026): real estate $8.4M · commercial $18K · consumer $6.4M · securities $17.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 68.8% | 80.6% | 24th |
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.
1 branches in 1 county across 1 state (+0 vs 2025). Biggest market: Alpena, MI, ranked 8th with 3.2% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Alpena, MI | 1 | $30.2M* | 3.20% | 8th |
Michigan: 251st with 0.01% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1