Awakon Federal Credit Union
Total assets
$201.9M
▲ +6.9% YoY
Shares & deposits
$172.2M
▲ +5.4% YoY
Loans
$137.6M
▲ +3.1% YoY
Members
14,830
▲ +1.1% YoY
ROA (annualized)
1.60%
peers 0.69%
ROE (annualized)
12.06%
peers 5.95%
Peer comparison 1,070 credit unions with 100M-500M in assets
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.8% | +3.9% | +2.9 pts |
| Share growth (YoY) | +5.4% | +3.3% | +2.1 pts |
| Loan growth (YoY) | +3.1% | +2.9% | +0.2 pts |
| ROA | 1.60% | 0.69% | +0.9 pts |
| ROE | 12.1% | 5.9% | +6.1 pts |
ROA ranks in the 91st percentile of its peer group · Q1 2026
Profile
- Established
- 1951
- Charter
- FCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 5
- Address
- Po Box 420, Onaway, MI, 49765
- NCUA charter #
- 7465
- RSSD ID
- 499480
- Latest call report
- Q1 2026
Total assets last 8 quarters
Members last 8 quarters
Quarterly financials NCUA 5300 call report
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $201.9M | $172.2M | $137.6M | $26.8M | $809K | 1.60% | 4.69% | 1.11% | 14,830 |
| Q4 2025 | $197.3M | $167.6M | $135.8M | $26.0M | $3.6M | 1.84% | 4.72% | 1.23% | 14,774 |
| Q3 2025 | $197.5M | $170.0M | $136.7M | $25.2M | $2.8M | 1.91% | 4.66% | 1.09% | 14,786 |
| Q2 2025 | $201.6M | $174.0M | $135.4M | $24.4M | $2.0M | 1.94% | 4.42% | 1.01% | 14,748 |
| Q1 2025 | $189.0M | $163.3M | $133.5M | $23.1M | $741K | 1.57% | 4.56% | 0.72% | 14,665 |
| Q4 2024 | $188.2M | $162.9M | $133.0M | $22.4M | $2.6M | 1.38% | 4.39% | 0.87% | 14,608 |
| Q3 2024 | $187.6M | $162.8M | $134.2M | $21.7M | $1.8M | 1.31% | 4.30% | 1.15% | 14,622 |
| Q2 2024 | $183.8M | $158.6M | $134.4M | $20.8M | $984K | 1.07% | 4.26% | 1.12% | 14,608 |
Loan mix (Q1 2026): real estate $62.6M · commercial $9.1M · consumer $50.1M · securities $32.3M
Ratio pack Q1 2026 · peer medians from 1070 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.60% | 0.69% | 91th | |
Return on equity Annualized net income ÷ equity or net worth | 12.1% | 5.9% | 90th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.69% | 3.62% | 93th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 71.2% | 78.7% | 27th | |
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% |
Balance sheet
| 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% |
Capital
| 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% |
Credit quality
| 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% |
Franchise
| 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% |
12 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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