| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +10.6% | +1.3% | +9.3 pts |
| Share growth (YoY) | +13.0% | +0.7% | +12.3 pts |
| Loan growth (YoY) | -3.5% | -2.4% | -1.1 pts |
| ROA | 0.50% | 0.60% | -0.1 pts |
| ROE | 3.5% | 4.1% | -0.6 pts |
ROA ranks in the 45th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $19.9M | $16.9M | $8.4M | $2.9M | $25K | 0.50% | 3.00% | 0.44% | 1,214 |
| Q4 2025 | $18.9M | $15.9M | $8.8M | $2.9M | $65K | 0.34% | 3.24% | 0.05% | 1,131 |
| Q3 2025 | $18.8M | $15.7M | $8.7M | $2.9M | $68K | 0.48% | 3.21% | 0.05% | 1,146 |
| Q2 2025 | $18.3M | $15.1M | $9.0M | $2.8M | $36K | 0.39% | 3.26% | 0.00% | 1,154 |
| Q1 2025 | $18.0M | $15.0M | $8.7M | $2.8M | $45K | 1.00% | 3.70% | 0.00% | 1,169 |
| Q4 2024 | $19.2M | $16.1M | $9.1M | $2.8M | $122K | 0.63% | 3.22% | 0.00% | 1,166 |
| Q3 2024 | $19.1M | $16.1M | $9.2M | $2.8M | $81K | 0.57% | 3.17% | 0.00% | 1,163 |
| Q2 2024 | $18.5M | $15.5M | $9.5M | $2.8M | $60K | 0.65% | 3.15% | 0.14% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.50% | 0.60% | 45th | |
Return on equity Annualized net income ÷ equity or net worth | 3.5% | 4.1% | 45th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.00% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 1,160 |
Loan mix (Q1 2026): real estate $5.2M · commercial $0 · consumer $2.5M · securities $9.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 74.1% | 81.5% | 33rd |
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.
3 branches in 2 counties across 1 state (-1 vs 2024). Biggest market: St. Clair, MI, ranked 12th with 0.3% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| St. Clair, MI | 2 | $10.1M* | 0.30% | 12th |
| Kent, MI | 1 | $5.0M* | 0.02% | 60th |
Michigan: 278th with 0.00% · Detroit-Warren-Dearborn metro: 103rd, 0.01% · Grand Rapids-Wyoming-Kentwood metro: 73rd, 0.01% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 4 · 2023 4 · 2024 4 · 2025 3