| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.3% | +1.3% | +6.0 pts |
| Share growth (YoY) | +5.4% | +0.7% | +4.8 pts |
| Loan growth (YoY) | -3.2% | -2.4% | -0.9 pts |
| ROA | 1.13% | 0.60% | +0.5 pts |
| ROE | 9.4% | 4.1% | +5.3 pts |
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $26.5M | $23.4M | $14.8M | $3.2M | $75K | 1.13% | 4.76% | 0.83% | 2,424 |
| Q4 2025 | $24.8M | $21.6M | $15.1M | $3.1M | $414K | 1.67% | 5.04% | 1.29% | 2,358 |
| Q3 2025 | $25.3M | $22.4M | $14.9M | $3.1M | $312K | 1.65% | 4.82% | 1.25% | 2,283 |
| Q2 2025 | $25.3M | $22.5M | $14.9M | $2.9M | $197K | 1.55% | 4.64% | 0.47% | 2,207 |
| Q1 2025 | $24.7M | $22.2M | $15.2M | $2.8M | $96K | 1.56% | 4.58% | 0.26% | 2,114 |
| Q4 2024 | $23.5M | $21.0M | $15.4M | $2.8M | $393K | 1.67% | 4.61% | 0.55% | 2,026 |
| Q3 2024 | $23.8M | $21.3M | $15.4M | $2.7M | $234K | 1.31% | 4.34% | 1.01% | 1,964 |
| Q2 2024 | $23.9M | $21.4M | $15.2M | $2.5M | $130K | 1.09% | 4.11% | 0.61% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.13% | 0.60% | — | |
Return on equity Annualized net income ÷ equity or net worth | 9.4% | 4.1% | — | |
Net interest margin Interest income − interest expense, ÷ assets | 4.76% | 3.83% | — | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 67.1% |
Peer lists, growth filters, CSV export, CRM push.
| 1,900 |
Loan mix (Q1 2026): real estate $82K · commercial $0 · consumer $12.1M · securities $6.6M
| 81.5% |
| — |
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: Eaton, MI, ranked 22nd with 0.7% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Eaton, MI | 1 | $22.5M* | 0.72% | 22nd |
Michigan: 264th with 0.01% · Lansing-East Lansing metro: 32nd, 0.12% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1