| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.0% | +1.3% | +4.7 pts |
| Share growth (YoY) | +4.1% | +0.9% | +3.2 pts |
| Loan growth (YoY) | -10.5% | -2.6% | -7.9 pts |
| ROA | 2.41% | 0.65% | +1.8 pts |
| ROE | 14.0% | 4.4% | +9.6 pts |
ROA ranks in the 97th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $38.5M | $31.7M | $11.8M | $6.6M | $464K | 2.41% | 4.83% | 0.89% | 3,731 |
| Q1 2026 | $38.7M | $32.1M | $11.5M | $6.4M | $229K | 2.37% | 4.76% | 0.49% | 3,746 |
| Q4 2025 | $37.9M | $31.5M | $12.0M | $6.2M | $909K | 2.40% | 4.93% | 0.73% | 3,784 |
| Q3 2025 | $36.6M | $30.5M | $12.7M | $5.9M | $673K | 2.45% | 5.09% | 0.45% | 3,768 |
| Q2 2025 | $36.4M | $30.4M | $13.2M | $5.7M | $445K | 2.45% | 5.06% | 0.19% | 3,813 |
| Q1 2025 | $35.9M | $30.3M | $13.3M | $5.5M | $184K | 2.05% | 5.00% | 0.30% | 3,787 |
| Q4 2024 | $34.6M | $29.1M | $13.8M | $5.3M | $904K | 2.62% | 4.91% | 1.32% | 3,864 |
| Q3 2024 | $34.4M | $29.2M | $13.8M | $5.1M | $684K | 2.65% | 4.86% | 1.24% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.41% | 0.65% | 97th | |
Return on equity Annualized net income ÷ equity or net worth | 14.0% | 4.4% | 96th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.83% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 3,861 |
| Q2 2024 | $34.6M | $29.3M | $13.6M | $4.8M | $467K | 2.70% | 4.71% | 0.80% | 3,828 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $10.3M · securities $11.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 57.0% | 80.6% | 9th |
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 1 county across 1 state (+0 vs 2025). Biggest market: Gogebic, MI, ranked 5th with 9.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Gogebic, MI | 3 | $31.7M* | 9.12% | 5th |
Michigan: 247th with 0.01% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 3 · 2025 3 · 2026 3