| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.4% | +4.1% | -1.7 pts |
| Share growth (YoY) | +1.3% | +3.5% | -2.3 pts |
| Loan growth (YoY) | +10.8% | +2.9% | +8.0 pts |
| ROA | 0.49% | 0.74% | -0.2 pts |
| ROE | 4.7% | 6.5% | -1.8 pts |
ROA ranks in the 29th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $193.2M | $180.8M | $78.1M | $20.4M | $476K | 0.49% | 3.65% | 0.52% | 12,089 |
| Q1 2026 | $193.5M | $181.2M | $71.4M | $20.3M | $225K | 0.47% | 3.54% | 0.62% | 12,303 |
| Q4 2025 | $189.3M | $176.6M | $68.9M | $20.1M | $1.1M | 0.58% | 3.53% | 1.02% | 12,345 |
| Q3 2025 | $187.0M | $175.7M | $71.0M | $19.8M | $809K | 0.58% | 3.56% | 1.00% | 12,459 |
| Q2 2025 | $188.8M | $178.5M | $70.5M | $19.5M | $468K | 0.50% | 3.47% | 1.12% | 12,526 |
| Q1 2025 | $190.3M | $181.0M | $68.7M | $19.4M | $187K | 0.39% | 3.41% | 0.98% | 12,658 |
| Q4 2024 | $185.4M | $177.7M | $70.0M | $19.2M | $1.2M | 0.64% | 3.50% | 1.32% | 12,714 |
| Q3 2024 | $183.6M | $174.3M | $68.3M | $18.9M | $871K | 0.63% | 3.52% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.49% | 0.74% | 29th | |
Return on equity Annualized net income ÷ equity or net worth | 4.7% | 6.5% | 33rd | |
Net interest margin Interest income − interest expense, ÷ assets | 3.65% | 3.67% |
Peer lists, growth filters, CSV export, CRM push.
| 0.91% |
| 12,827 |
| Q2 2024 | $189.2M | $181.8M | $67.6M | $18.6M | $580K | 0.61% | 3.41% | 1.22% | 12,861 |
Loan mix (Q2 2026): real estate $19.3M · commercial $2.3M · consumer $45.9M · securities $92.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 81.5% | 77.5% | 63rd |
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.
3 branches in 1 county across 1 state (+0 vs 2025). Biggest market: Wayne, MI, ranked 31st with 0.2% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Wayne, MI | 3 | $180.8M* | 0.21% | 31st |
Michigan: 155th with 0.05% · Detroit-Warren-Dearborn metro: 58th, 0.08% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 3 · 2023 3 · 2024 3 · 2025 3 · 2026 3