| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.8% | +4.1% | +1.7 pts |
| Share growth (YoY) | +3.9% | +3.5% | +0.3 pts |
| Loan growth (YoY) | -0.1% | +2.9% | -2.9 pts |
| ROA | 2.13% | 0.74% | +1.4 pts |
| ROE | 16.0% | 6.5% | +9.5 pts |
ROA ranks in the 98th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $138.2M | $118.9M | $82.9M | $18.5M | $1.5M | 2.13% | 4.37% | 0.32% | 10,420 |
| Q1 2026 | $138.4M | $120.2M | $80.0M | $17.8M | $752K | 2.17% | 4.27% | 0.37% | 10,390 |
| Q4 2025 | $135.0M | $117.8M | $82.5M | $17.0M | $2.4M | 1.76% | 3.95% | 0.41% | 10,422 |
| Q3 2025 | $131.5M | $114.6M | $83.7M | $16.3M | $1.6M | 1.67% | 3.93% | 0.33% | 10,433 |
| Q2 2025 | $130.6M | $114.5M | $83.0M | $15.6M | $984K | 1.51% | 3.81% | 0.17% | 10,415 |
| Q1 2025 | $128.0M | $113.3M | $81.5M | $15.1M | $457K | 1.43% | 3.77% | 0.19% | 10,380 |
| Q4 2024 | $124.6M | $111.2M | $82.1M | $14.6M | $1.5M | 1.19% | 3.43% | 0.49% | 10,364 |
| Q3 2024 | $123.2M | $109.8M | $83.9M | $14.2M | $1.0M | 1.10% | 3.38% |
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.13% | 0.74% | 98th | |
Return on equity Annualized net income ÷ equity or net worth | 16.0% | 6.5% | 99th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.37% | 3.67% |
Peer lists, growth filters, CSV export, CRM push.
| 0.59% |
| 10,388 |
| Q2 2024 | $127.8M | $114.9M | $85.2M | $13.8M | $593K | 0.93% | 3.17% | 0.38% | 10,349 |
Loan mix (Q2 2026): real estate $40.3M · commercial $0 · consumer $23.4M · securities $42.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 60.1% | 77.5% | 8th |
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: Houghton, MI, ranked 4th with 10.3% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Houghton, MI | 1 | $118.9M* | 10.26% | 4th |
Michigan: 190th with 0.03% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1