| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.9% | +1.3% | +5.6 pts |
| Share growth (YoY) | +5.1% | +0.9% | +4.2 pts |
| Loan growth (YoY) | +3.0% | -2.6% | +5.6 pts |
| ROA | 1.22% | 0.65% | +0.6 pts |
| ROE | 11.6% | 4.4% | +7.2 pts |
ROA ranks in the 77th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $63.1M | $57.3M | $20.4M | $6.6M | $385K | 1.22% | 3.01% | 0.49% | 4,821 |
| Q1 2026 | $62.4M | $57.1M | $19.7M | $6.4M | $174K | 1.11% | 2.94% | 0.35% | 4,817 |
| Q4 2025 | $61.0M | $55.6M | $19.8M | $6.2M | $705K | 1.16% | 2.69% | 0.21% | 4,842 |
| Q3 2025 | $60.5M | $54.6M | $20.3M | $6.0M | $428K | 0.94% | 2.61% | 0.11% | 4,848 |
| Q2 2025 | $59.0M | $54.5M | $19.8M | $5.7M | $187K | 0.63% | 2.52% | 0.10% | 4,829 |
| Q1 2025 | $57.8M | $54.0M | $18.6M | $3.4M | $56K | 0.39% | 2.35% | 0.13% | 4,489 |
| Q4 2024 | $56.6M | $52.9M | $19.1M | $5.5M | $337K | 0.60% | 2.24% | 0.02% | 4,495 |
| Q3 2024 | $56.1M | $52.5M | $18.8M | $5.4M | $209K | 0.50% | 2.20% | 0.10% |
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.22% | 0.65% | 77th | |
Return on equity Annualized net income ÷ equity or net worth | 11.6% | 4.4% | 91st | |
Net interest margin Interest income − interest expense, ÷ assets | 3.01% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 4,507 |
| Q2 2024 | $55.4M | $52.9M | $18.9M | $5.3M | $140K | 0.50% | 2.16% | 0.19% | 4,494 |
Loan mix (Q2 2026): real estate $3.8M · commercial $0 · consumer $13.4M · securities $38.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 66.6% | 80.6% | 20th |
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: Baraga, MI, ranked 2nd with 19.5% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Baraga, MI | 1 | $57.3M* | 19.51% | 2nd |
Michigan: 229th with 0.01% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1