| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.0% | +4.1% | +0.9 pts |
| Share growth (YoY) | +5.1% | +3.5% | +1.5 pts |
| Loan growth (YoY) | +13.0% | +2.9% | +10.1 pts |
| ROA | 0.64% | 0.74% | -0.1 pts |
| ROE | 6.4% | 6.5% | -0.0 pts |
ROA ranks in the 41st percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $249.7M | $223.1M | $185.0M | $24.7M | $795K | 0.64% | 3.39% | 0.57% | 21,238 |
| Q1 2026 | $255.5M | $229.6M | $181.3M | $24.5M | $300K | 0.47% | 3.23% | 0.86% | 20,984 |
| Q4 2025 | $248.1M | $223.7M | $177.0M | $24.2M | $615K | 0.25% | 3.15% | 0.49% | 21,069 |
| Q3 2025 | $244.9M | $219.2M | $171.4M | $24.0M | $403K | 0.22% | 3.14% | 0.49% | 22,049 |
| Q2 2025 | $237.8M | $212.4M | $163.7M | $23.7M | $149K | 0.12% | 3.11% | 0.39% | 20,684 |
| Q1 2025 | $238.4M | $213.4M | $154.3M | $23.8M | $-48K | -0.08% | 2.97% | 0.38% | 20,662 |
| Q4 2024 | $210.4M | $187.3M | $152.9M | $23.9M | $83K | 0.04% | 2.92% | 0.48% | 20,350 |
| Q3 2024 | $207.0M | $181.6M | $147.7M | $23.9M | $133K | 0.09% | 2.88% |
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.64% | 0.74% | 41st | |
Return on equity Annualized net income ÷ equity or net worth | 6.4% | 6.5% | 50th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.39% | 3.67% |
Peer lists, growth filters, CSV export, CRM push.
| 0.37% |
| 20,556 |
| Q2 2024 | $210.3M | $185.2M | $145.9M | $23.9M | $104K | 0.10% | 2.71% | 0.36% | 20,802 |
Loan mix (Q2 2026): real estate $16.0M · commercial $32.4M · consumer $101.9M · securities $27.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 80.6% | 77.5% | 59th |
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.
5 branches in 2 counties across 1 state (+0 vs 2025). Biggest market: Oakland, MI, ranked 34th with 0.2% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Oakland, MI | 4 | $178.5M* | 0.20% | 34th |
| Wayne, MI | 1 | $44.6M* | 0.05% | 52nd |
Michigan: 144th with 0.06% · Detroit-Warren-Dearborn metro: 49th, 0.10% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 4 · 2023 5 · 2024 5 · 2025 5 · 2026 5