| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.8% | +4.1% | +2.7 pts |
| Share growth (YoY) | +5.7% | +3.5% | +2.1 pts |
| Loan growth (YoY) | +4.3% | +2.9% | +1.4 pts |
| ROA | 1.69% | 0.74% | +0.9 pts |
| ROE | 13.2% | 6.5% | +6.7 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 | $318.3M | $277.8M | $198.5M | $40.6M | $2.7M | 1.69% | 4.40% | 1.92% | 21,720 |
| Q1 2026 | $317.9M | $278.7M | $194.8M | $39.1M | $1.1M | 1.37% | 4.41% | 1.47% | 21,325 |
| Q4 2025 | $309.6M | $271.0M | $196.8M | $38.0M | $4.5M | 1.46% | 4.35% | 1.41% | 21,085 |
| Q3 2025 | $305.9M | $269.1M | $193.6M | $36.4M | $2.9M | 1.26% | 4.23% | 1.66% | 20,872 |
| Q2 2025 | $297.9M | $262.9M | $190.3M | $35.2M | $1.7M | 1.11% | 4.25% | 1.62% | 20,599 |
| Q1 2025 | $289.1M | $255.0M | $186.7M | $34.6M | $977K | 1.35% | 4.26% | 1.36% | 20,143 |
| Q4 2024 | $274.8M | $242.0M | $188.4M | $33.6M | $4.1M | 1.51% | 4.22% | 1.86% | 19,899 |
| Q3 2024 | $272.5M | $239.3M | $188.3M | $33.1M | $3.6M | 1.75% | 4.14% |
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.69% | 0.74% | 93rd | |
Return on equity Annualized net income ÷ equity or net worth | 13.2% | 6.5% | 94th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.40% | 3.67% |
Peer lists, growth filters, CSV export, CRM push.
| 1.42% |
| 19,719 |
| Q2 2024 | $262.6M | $232.0M | $184.9M | $31.9M | $2.4M | 1.85% | 4.18% | 1.63% | 19,394 |
Loan mix (Q2 2026): real estate $92.6M · commercial $23.7M · consumer $67.6M · securities $64.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 63.5% | 77.5% | 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.
8 branches in 4 counties across 1 state (+0 vs 2025). Biggest market: Wexford, MI, ranked 5th with 12.2% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Wexford, MI | 3 | $104.2M* | 12.18% | 5th |
| Grand Traverse, MI | 3 | $104.2M* | 1.90% | 12th |
| Kalkaska, MI | 1 | $34.7M* | 15.98% | 4th |
| 1 more county with Pro → | ||||
Michigan: 130th with 0.07% · Traverse City metro: 12th, 2.11% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 6 · 2023 6 · 2024 7 · 2025 8 · 2026 8