| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.6% | +4.1% | -0.5 pts |
| Share growth (YoY) | +2.8% | +3.5% | -0.7 pts |
| Loan growth (YoY) | +1.0% | +2.9% | -1.8 pts |
| ROA | 1.06% | 0.74% | +0.3 pts |
| ROE | 9.4% | 6.5% | +2.9 pts |
ROA ranks in the 69th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $170.1M | $149.3M | $109.3M | $19.3M | $903K | 1.06% | 4.13% | 0.35% | 11,505 |
| Q1 2026 | $169.3M | $148.9M | $108.3M | $18.7M | $351K | 0.83% | 4.07% | 0.17% | 11,537 |
| Q4 2025 | $162.0M | $141.8M | $109.6M | $18.4M | $2.1M | 1.27% | 4.12% | 0.48% | 11,504 |
| Q3 2025 | $162.1M | $142.5M | $110.2M | $17.8M | $1.5M | 1.20% | 4.04% | 0.10% | 11,556 |
| Q2 2025 | $164.2M | $145.1M | $108.2M | $17.2M | $886K | 1.08% | 3.85% | 0.07% | 11,567 |
| Q1 2025 | $162.9M | $144.2M | $107.2M | $16.7M | $374K | 0.92% | 3.75% | 0.10% | 11,526 |
| Q4 2024 | $157.2M | $138.9M | $106.4M | $16.4M | $1.4M | 0.90% | 3.64% | 0.17% | 11,528 |
| Q3 2024 | $157.4M | $139.4M | $104.9M | $16.1M | $1.1M | 0.89% | 3.56% |
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Harborlight Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.06% | 0.74% | 69th | |
Return on equity Annualized net income ÷ equity or net worth | 9.4% | 6.5% | 78th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.13% | 3.67% |
Peer lists, growth filters, CSV export, CRM push.
| 0.28% |
| 11,518 |
| Q2 2024 | $157.3M | $139.7M | $103.6M | $15.6M | $601K | 0.76% | 3.42% | 0.31% | 11,486 |
Loan mix (Q2 2026): real estate $53.9M · commercial $985K · consumer $42.8M · securities $35.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 76.7% | 77.5% | 47th |
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 | Harborlight 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 | Harborlight 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 | Harborlight 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 | Harborlight 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 | Harborlight 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.
2 branches in 1 county across 1 state (+0 vs 2025). Biggest market: Muskegon, MI, ranked 7th with 3.7% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Muskegon, MI | 2 | $149.3M* | 3.68% | 7th |
Michigan: 168th with 0.04% · Muskegon-Norton Shores metro: 7th, 3.68% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2 · 2026 2