| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.2% | +1.3% | +3.9 pts |
| Share growth (YoY) | +5.1% | +0.9% | +4.2 pts |
| Loan growth (YoY) | -7.6% | -2.6% | -5.0 pts |
| ROA | 1.73% | 0.65% | +1.1 pts |
| ROE | 9.3% | 4.4% | +4.9 pts |
ROA ranks in the 90th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $43.8M | $35.4M | $6.9M | $8.2M | $378K | 1.73% | 3.41% | 0.25% | 2,537 |
| Q1 2026 | $43.4M | $35.3M | $7.0M | $8.0M | $204K | 1.88% | 3.40% | 0.07% | 2,547 |
| Q4 2025 | $42.0M | $34.1M | $7.1M | $7.8M | $759K | 1.81% | 3.23% | 0.12% | 2,565 |
| Q3 2025 | $40.6M | $32.7M | $7.2M | $7.7M | $651K | 2.14% | 3.63% | 0.06% | 2,572 |
| Q2 2025 | $41.6M | $33.7M | $7.5M | $7.5M | $453K | 2.18% | 3.42% | 0.05% | 2,584 |
| Q1 2025 | $41.9M | $34.4M | $7.5M | $7.2M | $231K | 2.20% | 3.30% | 0.00% | 2,571 |
| Q4 2024 | $41.8M | $34.6M | $7.4M | $7.0M | $802K | 1.92% | 2.99% | 0.00% | 2,574 |
| Q3 2024 | $40.2M | $33.1M | $7.5M | $6.9M | $668K | 2.21% | 3.36% | 0.00% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.73% | 0.65% | 90th | |
Return on equity Annualized net income ÷ equity or net worth | 9.3% | 4.4% | 82nd | |
Net interest margin Interest income − interest expense, ÷ assets | 3.41% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 2,587 |
| Q2 2024 | $41.8M | $35.0M | $7.7M | $6.6M | $421K | 2.01% | 3.15% | 0.00% | 2,601 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $5.8M · securities $28.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 53.1% | 80.6% | 6th |
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: Eaton, MI, ranked 20th with 1.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Eaton, MI | 1 | $35.4M* | 1.10% | 20th |
Michigan: 245th with 0.01% · Lansing-East Lansing metro: 29th, 0.19% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1