| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.1% | +1.3% | +1.8 pts |
| Share growth (YoY) | +2.3% | +0.9% | +1.3 pts |
| Loan growth (YoY) | +3.4% | -2.6% | +6.0 pts |
| ROA | 1.17% | 0.65% | +0.5 pts |
| ROE | 6.5% | 4.4% | +2.1 pts |
ROA ranks in the 75th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $38.5M | $31.5M | $17.5M | $7.0M | $226K | 1.17% | 4.20% | 1.59% | 2,003 |
| Q1 2026 | $39.0M | $32.1M | $17.2M | $6.9M | $118K | 1.21% | 4.12% | 0.27% | 2,007 |
| Q4 2025 | $38.6M | $31.6M | $17.0M | $6.8M | $352K | 0.91% | 3.93% | 0.68% | 2,016 |
| Q3 2025 | $38.8M | $32.1M | $16.6M | $6.7M | $252K | 0.86% | 3.78% | 0.31% | 2,037 |
| Q2 2025 | $37.4M | $30.8M | $16.9M | $6.6M | $140K | 0.75% | 3.80% | 0.16% | 2,057 |
| Q1 2025 | $36.4M | $30.0M | $17.1M | $6.5M | $88K | 0.97% | 3.85% | 0.23% | 2,074 |
| Q4 2024 | $36.7M | $30.4M | $16.9M | $6.4M | $347K | 0.94% | 3.77% | 0.37% | 2,083 |
| Q3 2024 | $37.6M | $31.3M | $16.9M | $6.4M | $233K | 0.83% | 3.58% | 0.09% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.17% | 0.65% | 75th | |
Return on equity Annualized net income ÷ equity or net worth | 6.5% | 4.4% | 66th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.20% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 2,089 |
| Q2 2024 | $36.2M | $30.2M | $16.5M | $6.3M | $141K | 0.78% | 3.68% | 0.03% | 2,084 |
Loan mix (Q2 2026): real estate $12.8M · commercial $42K · consumer $3.9M · securities $12.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 70.8% | 80.6% | 28th |
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 1 county across 1 state (+0 vs 2025). Biggest market: Chippewa, MI, ranked 7th with 3.3% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Chippewa, MI | 2 | $31.5M* | 3.30% | 7th |
Michigan: 248th with 0.01% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2 · 2026 2