| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.5% | +1.3% | +6.3 pts |
| Share growth (YoY) | +8.1% | +0.9% | +7.1 pts |
| Loan growth (YoY) | -1.1% | -2.6% | +1.5 pts |
| ROA | 1.06% | 0.65% | +0.4 pts |
| ROE | 9.4% | 4.4% | +5.0 pts |
ROA ranks in the 70th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $43.6M | $38.3M | $19.1M | $4.9M | $232K | 1.06% | 3.83% | 0.41% | 2,956 |
| Q1 2026 | $42.5M | $37.3M | $19.2M | $4.8M | $91K | 0.86% | 3.86% | 0.01% | 2,972 |
| Q4 2025 | $41.7M | $36.6M | $19.2M | $4.7M | $453K | 1.09% | 3.86% | 0.01% | 2,985 |
| Q3 2025 | $41.3M | $36.3M | $19.5M | $4.6M | $334K | 1.08% | 3.83% | 0.03% | 3,019 |
| Q2 2025 | $40.6M | $35.4M | $19.3M | $4.5M | $221K | 1.09% | 3.80% | 0.04% | 3,010 |
| Q1 2025 | $39.6M | $34.7M | $18.8M | $4.4M | $92K | 0.93% | 3.74% | 0.00% | 3,010 |
| Q4 2024 | $38.7M | $34.1M | $18.6M | $4.3M | $562K | 1.45% | 3.94% | 0.08% | 3,007 |
| Q3 2024 | $39.0M | $34.5M | $19.1M | $4.2M | $421K | 1.44% | 3.88% | 0.01% |
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.06% | 0.65% | 70th | |
Return on equity Annualized net income ÷ equity or net worth | 9.4% | 4.4% | 83rd | |
Net interest margin Interest income − interest expense, ÷ assets | 3.83% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 3,009 |
| Q2 2024 | $39.3M | $34.7M | $19.1M | $4.0M | $303K | 1.54% | 3.78% | 0.15% | 3,026 |
Loan mix (Q2 2026): real estate $10.1M · commercial $64K · consumer $6.4M · securities $18.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 75.8% | 80.6% | 38th |
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.
2 branches in 2 counties across 2 states (+0 vs 2025). Biggest market: Kent, MI, ranked 59th with 0.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Kent, MI | 1 | $19.1M* | 0.05% | 59th |
| Jefferson, WI | 1 | $19.1M* | 0.62% | 16th |
Wisconsin: 285th with 0.01% · Michigan: 269th with 0.00% · Grand Rapids-Wyoming-Kentwood metro: 73rd, 0.04% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2 · 2026 2