| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.1% | +1.3% | -0.2 pts |
| Share growth (YoY) | +0.1% | +0.9% | -0.8 pts |
| Loan growth (YoY) | +10.5% | -2.6% | +13.2 pts |
| ROA | 1.89% | 0.65% | +1.2 pts |
| ROE | 15.4% | 4.4% | +11.0 pts |
ROA ranks in the 93rd percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $21.4M | $18.7M | $5.8M | $2.6M | $202K | 1.89% | 4.49% | 0.09% | 1,736 |
| Q1 2026 | $20.9M | $18.3M | $5.0M | $2.5M | $76K | 1.47% | 4.49% | 0.00% | 1,840 |
| Q4 2025 | $21.1M | $18.5M | $5.2M | $2.4M | $197K | 0.94% | 4.08% | 0.00% | 1,874 |
| Q3 2025 | $21.3M | $18.6M | $5.5M | $2.4M | $137K | 0.86% | 4.01% | 0.00% | 1,912 |
| Q2 2025 | $21.1M | $18.7M | $5.3M | $2.3M | $101K | 0.96% | 3.91% | 0.00% | 2,030 |
| Q1 2025 | $21.2M | $18.8M | $5.2M | $2.3M | $50K | 0.94% | 3.72% | 0.00% | 2,147 |
| Q4 2024 | $20.6M | $18.3M | $5.3M | $2.2M | $151K | 0.73% | 3.47% | 0.00% | 2,127 |
| Q3 2024 | $20.3M | $18.0M | $5.6M | $2.2M | $143K | 0.94% | 3.44% | 0.00% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.89% | 0.65% | 93rd | |
Return on equity Annualized net income ÷ equity or net worth | 15.4% | 4.4% | 97th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.49% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 2,118 |
| Q2 2024 | $20.8M | $18.6M | $5.9M | $2.2M | $105K | 1.01% | 3.15% | 0.00% | 2,271 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $4.1M · securities $14.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 61.2% | 80.6% | 13th |
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: Wayne, MI, ranked 55th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Wayne, MI | 2 | $18.7M* | 0.02% | 55th |
Michigan: 271st with 0.00% · Detroit-Warren-Dearborn metro: 97th, 0.01% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2 · 2026 2