| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -3.3% | +1.3% | -4.6 pts |
| Share growth (YoY) | -6.0% | +0.9% | -7.0 pts |
| Loan growth (YoY) | -10.4% | -2.6% | -7.8 pts |
| ROA | 0.27% | 0.65% | -0.4 pts |
| ROE | 1.0% | 4.4% | -3.4 pts |
ROA ranks in the 30th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $6.8M | $4.8M | $2.4M | $1.8M | $9K | 0.27% | 4.56% | 0.40% | 1,032 |
| Q1 2026 | $6.9M | $5.0M | $2.5M | $1.8M | $1K | 0.07% | 4.46% | 0.34% | 1,046 |
| Q4 2025 | $6.9M | $5.0M | $2.6M | $1.8M | $33K | 0.47% | 4.70% | 0.10% | 1,044 |
| Q3 2025 | $6.9M | $5.1M | $2.7M | $1.8M | $24K | 0.47% | 4.64% | 0.00% | 1,042 |
| Q2 2025 | $7.1M | $5.1M | $2.7M | $1.8M | $11K | 0.31% | 4.47% | 0.00% | 1,043 |
| Q1 2025 | $7.3M | $5.4M | $2.5M | $1.8M | $2K | 0.09% | 4.25% | 0.00% | 1,050 |
| Q4 2024 | $7.4M | $5.5M | $2.6M | $1.8M | $19K | 0.26% | 4.15% | 0.00% | 1,046 |
| Q3 2024 | $7.4M | $5.6M | $2.5M | $1.8M | $12K | 0.22% | 4.12% | 0.29% | 1,044 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.27% | 0.65% | 30th | |
Return on equity Annualized net income ÷ equity or net worth | 1.0% | 4.4% | 25th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.56% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 | $7.5M | $5.7M | $2.4M | $1.8M | $6K | 0.17% | 3.99% | 0.00% | 1,041 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $2.4M · securities $3.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 94.5% | 80.6% | 80th |
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 3 counties across 3 states (+2 vs 2025). Biggest market: Kent, MI, ranked 74th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Kent, MI | 1 | $1.6M* | 0.00% | 74th |
| Cook, IL | 1 | $1.6M* | 0.00% | 149th |
| Hillsborough, FL | 1 | $1.6M* | 0.00% | 78th |
Illinois: 569th with 0.00% · Michigan: 307th with 0.00% · Florida: 329th with 0.00% · Chicago-Naperville-Elgin metro: 248th, 0.00% · Grand Rapids-Wyoming-Kentwood metro: 87th, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 3