| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -3.6% | +1.3% | -4.9 pts |
| Share growth (YoY) | -6.0% | +0.7% | -6.6 pts |
| Loan growth (YoY) | +6.0% | -2.4% | +8.4 pts |
| ROA | 1.11% | 0.60% | +0.5 pts |
| ROE | 5.1% | 4.1% | +1.0 pts |
ROA ranks in the 73rd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $52.0M | $40.6M | $38.5M | $11.3M | $145K | 1.11% | 2.79% | 0.45% | 1,209 |
| Q4 2025 | $52.5M | $41.3M | $37.8M | $11.2M | $533K | 1.01% | 2.77% | 2.27% | 1,226 |
| Q3 2025 | $52.4M | $41.3M | $37.1M | $11.0M | $346K | 0.88% | 2.68% | 1.72% | 1,204 |
| Q2 2025 | $53.0M | $42.0M | $37.1M | $10.9M | $255K | 0.96% | 2.74% | 2.06% | 1,213 |
| Q1 2025 | $53.9M | $43.1M | $36.3M | $10.6M | $93K | 0.69% | 2.59% | 2.48% | 1,232 |
| Q4 2024 | $50.3M | $39.6M | $35.9M | $10.6M | $532K | 1.06% | 2.61% | 1.71% | 1,253 |
| Q3 2024 | $50.2M | $39.7M | $34.8M | $10.5M | $379K | 1.01% | 2.55% | 2.33% | 1,263 |
| Q2 2024 | $50.3M | $39.8M | $34.4M | $10.3M | $244K | 0.97% | 2.46% | 2.72% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.11% | 0.60% | 73rd | |
Return on equity Annualized net income ÷ equity or net worth | 5.1% | 4.1% | 57th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.79% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 1,278 |
Loan mix (Q1 2026): real estate $23.7M · commercial $12.8M · consumer $963K · securities $10.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 59.7% | 81.5% | 12th |
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 2024). Biggest market: Berrien, MI, ranked 12th with 1.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Berrien, MI | 1 | $42.0M* | 0.99% | 12th |
Michigan: 241st with 0.01% · Niles metro: 12th, 0.99% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1