| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.8% | +5.1% | +2.7 pts |
| Share growth (YoY) | +8.0% | +4.9% | +3.1 pts |
| Loan growth (YoY) | +5.5% | +5.4% | +0.1 pts |
| ROA | 1.51% | 0.71% | +0.8 pts |
| ROE | 15.3% | 6.3% | +9.1 pts |
ROA ranks in the 94th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $1.57B | $1.40B | $1.14B | $154.2M | $5.9M | 1.51% | 3.75% | 1.07% | 78,016 |
| Q4 2025 | $1.52B | $1.36B | $1.13B | $148.3M | $15.8M | 1.04% | 3.61% | 0.95% | 76,954 |
| Q3 2025 | $1.50B | $1.33B | $1.13B | $145.6M | $12.2M | 1.08% | 3.57% | 1.09% | 76,433 |
| Q2 2025 | $1.48B | $1.31B | $1.11B | $142.0M | $8.6M | 1.16% | 3.52% | 0.97% | 75,411 |
| Q1 2025 | $1.45B | $1.29B | $1.08B | $138.0M | $4.7M | 1.30% | 3.47% | 0.77% | 74,748 |
| Q4 2024 | $1.42B | $1.27B | $1.06B | $133.1M | $12.0M | 0.85% | 3.31% | 0.65% | 73,377 |
| Q3 2024 | $1.36B | $1.21B | $1.05B | $132.6M | $10.7M | 1.05% | 3.40% | 0.65% | 72,304 |
| Q2 2024 | $1.33B | $1.19B | $1.05B | $129.0M | $7.1M | 1.06% | 3.40% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Frankenmuth Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.51% | 0.71% | 94th | |
Return on equity Annualized net income ÷ equity or net worth | 15.3% | 6.3% | 99th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.75% | 3.32% |
Peer lists, growth filters, CSV export, CRM push.
| 0.78% |
| 71,539 |
Loan mix (Q1 2026): real estate $424.3M · commercial $209.1M · consumer $404.6M · securities $247.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 73.4% | 73.0% | 51th |
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 | Frankenmuth 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 | Frankenmuth 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 | Frankenmuth 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 | Frankenmuth 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.