| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.1% | +1.3% | +2.8 pts |
| Share growth (YoY) | +3.9% | +0.9% | +2.9 pts |
| Loan growth (YoY) | -2.2% | -2.6% | +0.4 pts |
| ROA | 0.44% | 0.65% | -0.2 pts |
| ROE | 2.7% | 4.4% | -1.7 pts |
ROA ranks in the 39th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $52.0M | $42.7M | $23.5M | $8.7M | $115K | 0.44% | 3.39% | 0.16% | 2,782 |
| Q1 2026 | $52.0M | $42.9M | $23.3M | $8.6M | $40K | 0.31% | 3.35% | 0.12% | 2,827 |
| Q4 2025 | $50.6M | $41.5M | $23.2M | $8.5M | $136K | 0.27% | 3.09% | 0.44% | 2,842 |
| Q3 2025 | $49.3M | $40.1M | $23.9M | $8.6M | $163K | 0.44% | 3.14% | 0.26% | 2,843 |
| Q2 2025 | $50.0M | $41.1M | $24.0M | $8.3M | $-119K | -0.47% | 3.10% | 0.39% | 2,822 |
| Q1 2025 | $51.0M | $41.8M | $22.4M | $8.4M | $-30K | -0.23% | 3.14% | 0.37% | 2,823 |
| Q4 2024 | $49.7M | $40.8M | $23.2M | $8.4M | $199K | 0.40% | 3.05% | 0.50% | 2,842 |
| Q3 2024 | $47.5M | $38.5M | $23.1M | $8.4M | $218K | 0.61% | 3.22% | 0.40% |
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.44% | 0.65% | 39th | |
Return on equity Annualized net income ÷ equity or net worth | 2.7% | 4.4% | 37th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.39% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 2,842 |
| Q2 2024 | $49.1M | $40.0M | $23.4M | $8.3M | $133K | 0.54% | 3.10% | 0.30% | 2,872 |
Loan mix (Q2 2026): real estate $10.2M · commercial $0 · consumer $11.6M · securities $21.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 89.3% | 80.6% | 70th |
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.
1 branches in 1 county across 1 state (-1 vs 2025). Biggest market: Kent, MI, ranked 47th with 0.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Kent, MI | 1 | $42.7M* | 0.12% | 47th |
Michigan: 238th with 0.01% · Grand Rapids-Wyoming-Kentwood metro: 61st, 0.09% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2 · 2026 1