| Metric | H.P.C. Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +9.8% | +4.1% | +5.6 pts |
| Share growth (YoY) | +10.8% | +3.5% | +7.2 pts |
| Loan growth (YoY) | +7.7% | +2.9% | +4.8 pts |
| ROA | 0.81% | 0.74% | +0.1 pts |
| ROE | 5.9% | 6.5% | -0.6 pts |
ROA ranks in the 55th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $171.9M | $148.0M | $100.7M | $23.4M | $694K | 0.81% | 3.45% | 1.86% | 7,703 |
| Q1 2026 | $171.0M | $145.4M | $95.6M | $23.1M | $389K | 0.91% | 3.43% | 0.16% | 7,590 |
| Q4 2025 | $158.9M | $135.9M | $93.9M | $22.7M | $1.2M | 0.74% | 3.53% | 0.54% | 7,582 |
| Q3 2025 | $155.8M | $132.8M | $94.1M | $22.4M | $835K | 0.71% | 3.57% | 0.39% | 7,554 |
| Q2 2025 | $156.6M | $133.7M | $93.5M | $22.1M | $502K | 0.64% | 3.50% | 0.40% | 7,543 |
| Q1 2025 | $155.1M | $132.5M | $92.9M | $21.8M | $256K | 0.66% | 3.44% | 0.32% | 7,571 |
| Q4 2024 | $154.0M | $131.9M | $90.8M | $21.6M | $1.3M | 0.84% | 3.20% | 0.28% | 7,472 |
| Q3 2024 | $152.8M | $130.0M | $90.1M | $21.6M | $1.3M | 1.15% | 3.12% |
| Ratio | H.P.C. Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.81% | 0.74% | 55th | |
Return on equity Annualized net income ÷ equity or net worth | 5.9% | 6.5% | 44th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.45% | 3.67% |
Peer lists, growth filters, CSV export, CRM push.
| 0.01% |
| 7,461 |
| Q2 2024 | $155.1M | $132.7M | $84.0M | $20.9M | $647K | 0.83% | 2.94% | 0.35% | 7,308 |
Loan mix (Q2 2026): real estate $35.8M · commercial $23.7M · consumer $36.4M · securities $53.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 75.3% | 77.5% | 41st |
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 | H.P.C. 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 | H.P.C. Credit Union | 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 | H.P.C. 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 | H.P.C. 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 | H.P.C. 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.
3 branches in 2 counties across 1 state (+0 vs 2025). Biggest market: Alpena, MI, ranked 4th with 10.5% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Alpena, MI | 2 | $98.7M* | 10.46% | 4th |
| Oscoda, MI | 1 | $49.3M* | 25.49% | 2nd |
Michigan: 169th with 0.04% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 4 · 2023 4 · 2024 3 · 2025 3 · 2026 3