| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.9% | +4.1% | +2.8 pts |
| Share growth (YoY) | +5.9% | +3.5% | +2.3 pts |
| Loan growth (YoY) | +5.3% | +2.9% | +2.5 pts |
| ROA | 0.77% | 0.74% | +0.0 pts |
| ROE | 7.5% | 6.5% | +1.0 pts |
ROA ranks in the 52nd percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $105.4M | $96.2M | $42.3M | $10.9M | $407K | 0.77% | 3.60% | 1.15% | 7,387 |
| Q1 2026 | $105.7M | $96.2M | $41.0M | $10.6M | $176K | 0.67% | 3.47% | 0.70% | 7,434 |
| Q4 2025 | $102.3M | $93.2M | $41.1M | $10.5M | $834K | 0.81% | 3.43% | 0.61% | 7,440 |
| Q3 2025 | $99.8M | $91.2M | $40.8M | $10.2M | $540K | 0.72% | 3.40% | 0.67% | 7,455 |
| Q2 2025 | $98.6M | $90.9M | $40.2M | $10.0M | $322K | 0.65% | 3.36% | 0.53% | 7,447 |
| Q1 2025 | $99.9M | $92.6M | $39.2M | $9.8M | $125K | 0.50% | 3.23% | 0.90% | 7,464 |
| Q4 2024 | $96.1M | $89.9M | $40.1M | $9.6M | $201K | 0.21% | 3.35% | 1.25% | 7,484 |
| Q3 2024 | $95.3M | $88.5M | $40.6M | $9.6M | $126K | 0.18% | 3.30% | 1.60% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.77% | 0.74% | 52nd | |
Return on equity Annualized net income ÷ equity or net worth | 7.5% | 6.5% | 60th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.60% | 3.67% |
Peer lists, growth filters, CSV export, CRM push.
| 7,523 |
| Q2 2024 | $93.8M | $88.5M | $41.4M | $9.4M | $14K | 0.03% | 3.30% | 0.85% | 7,566 |
Loan mix (Q2 2026): real estate $15.6M · commercial $1.2M · consumer $20.4M · securities $45.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 80.3% | 77.5% | 58th |
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.
2 branches in 1 county across 1 state (+0 vs 2025). Biggest market: Delta, MI, ranked 6th with 8.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Delta, MI | 2 | $96.2M* | 8.01% | 6th |
Michigan: 203rd with 0.02% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2 · 2026 2