| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.9% | +1.3% | -2.2 pts |
| Share growth (YoY) | -1.8% | +0.9% | -2.7 pts |
| Loan growth (YoY) | -5.5% | -2.6% | -2.8 pts |
| ROA | 0.73% | 0.65% | +0.1 pts |
| ROE | 6.5% | 4.4% | +2.1 pts |
ROA ranks in the 55th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $34.8M | $30.7M | $16.8M | $3.9M | $127K | 0.73% | 4.20% | 0.31% | 3,015 |
| Q1 2026 | $33.5M | $29.5M | $17.2M | $3.8M | $53K | 0.63% | 4.28% | 0.33% | 3,048 |
| Q4 2025 | $34.1M | $30.2M | $17.3M | $3.8M | $296K | 0.87% | 4.35% | 0.27% | 3,150 |
| Q3 2025 | $34.5M | $30.3M | $17.5M | $3.7M | $235K | 0.91% | 4.32% | 0.43% | 3,208 |
| Q2 2025 | $35.1M | $31.3M | $17.8M | $3.6M | $166K | 0.95% | 4.17% | 0.53% | 3,374 |
| Q1 2025 | $34.5M | $30.8M | $17.5M | $3.5M | $72K | 0.83% | 4.14% | 0.46% | 3,420 |
| Q4 2024 | $34.4M | $30.8M | $17.9M | $3.5M | $322K | 0.94% | 4.22% | 0.69% | 3,476 |
| Q3 2024 | $35.1M | $31.1M | $18.5M | $3.4M | $234K | 0.89% | 4.10% | 0.54% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.73% | 0.65% | 55th | |
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.
| 3,528 |
| Q2 2024 | $35.8M | $32.1M | $19.4M | $3.3M | $176K | 0.98% | 3.98% | 0.51% | 3,575 |
Loan mix (Q2 2026): real estate $8.9M · commercial $2.3M · consumer $4.8M · securities $14.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 82.9% | 80.6% | 56th |
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 2 counties across 1 state (-1 vs 2025). Biggest market: St. Clair, MI, ranked 11th with 0.5% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| St. Clair, MI | 1 | $15.4M* | 0.45% | 11th |
| Huron, MI | 1 | $15.4M* | 1.12% | 10th |
Michigan: 250th with 0.01% · Detroit-Warren-Dearborn metro: 100th, 0.01% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 2 · 2024 3 · 2025 3 · 2026 2