| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.0% | +1.3% | +5.7 pts |
| Share growth (YoY) | +7.7% | +0.9% | +6.7 pts |
| Loan growth (YoY) | -6.0% | -2.6% | -3.4 pts |
| ROA | 0.50% | 0.65% | -0.2 pts |
| ROE | 3.6% | 4.4% | -0.7 pts |
ROA ranks in the 42nd percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $26.4M | $22.7M | $17.5M | $3.6M | $65K | 0.50% | 3.06% | 5.71% | 1,173 |
| Q1 2026 | $33.7M | $30.1M | $17.8M | $3.5M | $26K | 0.31% | 2.55% | 0.10% | 1,173 |
| Q4 2025 | $31.8M | $28.2M | $18.5M | $3.5M | $42K | 0.13% | 2.13% | 0.04% | 1,171 |
| Q3 2025 | $23.3M | $19.8M | $18.6M | $3.5M | $10K | 0.06% | 2.78% | 0.10% | 1,176 |
| Q2 2025 | $24.6M | $21.1M | $18.7M | $3.5M | $4K | 0.04% | 2.62% | 0.11% | 1,180 |
| Q1 2025 | $25.6M | $22.1M | $18.6M | $3.5M | $144 | 0.00% | 2.40% | 0.17% | 1,174 |
| Q4 2024 | $24.2M | $20.7M | $18.8M | $3.5M | $18K | 0.08% | 2.73% | 0.46% | 1,177 |
| Q3 2024 | $24.2M | $20.7M | $19.0M | $3.5M | $40K | 0.22% | 2.78% | 0.45% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.50% | 0.65% | 42nd | |
Return on equity Annualized net income ÷ equity or net worth | 3.6% | 4.4% | 44th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.06% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 1,185 |
| Q2 2024 | $23.6M | $20.1M | $19.0M | $3.5M | $33K | 0.28% | 2.98% | 0.38% | 1,175 |
Loan mix (Q2 2026): real estate $14.2M · commercial $1.5M · consumer $1.5M · securities $6.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 82.3% | 80.6% | 54th |
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: Oakland, MI, ranked 60th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Oakland, MI | 1 | $22.7M* | 0.03% | 60th |
Michigan: 261st with 0.01% · Detroit-Warren-Dearborn metro: 91st, 0.01% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1