| Metric | Filer Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.1% | +4.1% | +3.0 pts |
| Share growth (YoY) | +6.5% | +3.5% | +2.9 pts |
| Loan growth (YoY) | +13.8% | +2.9% | +10.9 pts |
| ROA | 1.26% | 0.74% | +0.5 pts |
| ROE | 9.9% | 6.5% | +3.4 pts |
ROA ranks in the 80th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $262.4M | $232.6M | $157.7M | $33.5M | $1.6M | 1.26% | 3.52% | 0.84% | 13,435 |
| Q1 2026 | $258.5M | $228.7M | $150.2M | $32.8M | $828K | 1.28% | 3.44% | 0.57% | 13,252 |
| Q4 2025 | $254.0M | $224.7M | $146.6M | $32.0M | $3.2M | 1.25% | 3.26% | 0.70% | 13,178 |
| Q3 2025 | $249.5M | $221.5M | $144.4M | $31.2M | $2.4M | 1.27% | 3.19% | 0.59% | 13,077 |
| Q2 2025 | $245.0M | $218.5M | $138.6M | $30.3M | $1.5M | 1.23% | 3.16% | 0.85% | 12,952 |
| Q1 2025 | $240.7M | $215.4M | $139.1M | $29.5M | $526K | 0.87% | 3.15% | 0.89% | 12,863 |
| Q4 2024 | $236.2M | $212.2M | $141.2M | $28.9M | $1.9M | 0.80% | 2.98% | 0.94% | 12,786 |
| Q3 2024 | $237.4M | $212.8M | $141.9M | $28.3M | $1.2M | 0.70% | 2.84% |
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Filer Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.26% | 0.74% | 80th | |
Return on equity Annualized net income ÷ equity or net worth | 9.9% | 6.5% | 82nd | |
Net interest margin Interest income − interest expense, ÷ assets | 3.52% | 3.67% |
Peer lists, growth filters, CSV export, CRM push.
| 0.92% |
| 12,658 |
| Q2 2024 | $238.8M | $215.9M | $140.6M | $28.4M | $1.0M | 0.86% | 2.72% | 1.15% | 12,401 |
Loan mix (Q2 2026): real estate $86.0M · commercial $9.0M · consumer $49.1M · securities $79.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 64.2% | 77.5% | 14th |
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 | Filer Credit Union | 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 | Filer Credit Union | 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 | Filer Credit Union | 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 | Filer Credit Union | 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 | Filer Credit Union | 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.
4 branches in 2 counties across 1 state (+0 vs 2025). Biggest market: Manistee, MI, ranked 1st with 28.3% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Manistee, MI | 3 | $174.4M* | 28.33% | 1st |
| Mason, MI | 1 | $58.1M* | 6.08% | 5th |
Michigan: 140th with 0.06% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 3 · 2023 3 · 2024 4 · 2025 4 · 2026 4