Consumers Credit Union

Credit UnionFISCUOshtemo, MI·Est. 1964·NCUA #62172Compare ⇄▤ Account brief

Total assets

$2.86B

▲ +15.2% YoY

Shares & deposits

$2.35B

▲ +17.1% YoY

Loans

$2.37B

▲ +10.4% YoY

Members

153,309

▲ +4.8% YoY

ROA (annualized)

0.94%

peers 0.71%

ROE (annualized)

10.36%

peers 6.28%

Peer comparison 450 credit unions with 1B-10B in assets

Metric	Consumers Credit Union	Peer median	Δ
Asset growth (YoY)	+15.3%	+5.1%	+10.1 pts
Share growth (YoY)	+17.1%	+4.9%	+12.3 pts
Loan growth (YoY)	+10.4%	+5.4%	+5.0 pts
ROA	0.94%	0.71%	+0.2 pts
ROE	10.4%	6.3%	+4.1 pts

ROA ranks in the 70th percentile of its peer group · Q1 2026

Profile

Established: 1964
Charter: FISCU
Primary regulator: NCUA
NCUA peer group: Peer group 6
Address: P.O. Box 525, Oshtemo, MI, 49077
NCUA charter #: 62172
RSSD ID: 186098
Latest call report: Q1 2026

Total assets last 8 quarters

Members last 8 quarters

Quarterly financials NCUA 5300 call report

Quarter	Assets	Shares	Loans	Net worth	Net income YTD	ROA	NIM	Delinquency	Members
Q1 2026	$2.86B	$2.35B	$2.37B	$260.0M	$6.7M	0.94%	2.94%	0.21%	153,309
Q4 2025	$2.69B	$2.19B	$2.35B	$253.3M	$28.9M	1.07%	2.99%	0.40%	152,257
Q3 2025	$2.58B	$2.10B	$2.30B	$247.9M	$21.3M	1.10%	3.04%	0.33%	151,033
Q2 2025	$2.54B	$2.05B	$2.23B	$239.8M	$13.1M	1.03%	2.98%	0.28%	148,867
Q1 2025	$2.48B	$2.01B	$2.14B	$231.6M	$5.0M	0.81%	2.91%	0.11%	146,357
Q4 2024	$2.42B	$1.94B	$2.11B	$226.6M	$21.9M	0.90%	2.74%	0.34%	144,166
Q3 2024	$2.38B	$1.92B	$2.09B	$223.3M	$16.3M	0.91%	2.72%	0.38%	142,950
Q2 2024	$2.32B	$1.86B	$2.03B	$216.4M	$9.4M	0.81%	2.71%

Signals what changed in the call reports

Efficiency worsening·Efficiency ratio 74.2%, worse 3 quarters running — Cost pressure — automation pitches resonate, discretionary spend does notDeposits up·Shares & deposits +17.1% YoY — Growing franchise; likely investing in capacity

Earlier quarters (1)

Shares & deposits +12.6% YoYQ4 2025

Ratio pack Q1 2026 · peer medians from 450 institutions

Profitability

Ratio	Consumers Credit Union	Peer median	Peer percentile
Return on assets Annualized net income ÷ assets	0.94%	0.71%	70th
Return on equity Annualized net income ÷ equity or net worth	10.4%	6.3%	83th
Net interest margin Interest income − interest expense, ÷ assets	2.94%	3.32%

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Ratio	Consumers Credit Union	Peer median
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	Consumers Credit Union	Peer median
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	Consumers Credit Union	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%