| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | — | +3.9% | — |
| Share growth (YoY) | — | +3.3% | — |
| Loan growth (YoY) | — | +2.9% | — |
| ROA | 0.80% | 0.69% | +0.1 pts |
| ROE | 6.1% | 5.9% | +0.2 pts |
ROA ranks in the 58th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $179.4M | $156.1M | $109.5M | $23.6M | $360K | 0.80% | 3.51% | 0.37% | 10,639 |
| Q4 2025 | $176.1M | $152.9M | $108.3M | $23.2M | $1.4M | 0.80% | 3.49% | 0.41% | 10,746 |
| Q3 2025 | $174.0M | $151.3M | $106.9M | $22.8M | $1.0M | 0.77% | 3.51% | 0.64% | 10,839 |
| Q2 2025 | $172.8M | $150.8M | $107.7M | $22.7M | $708K | 0.82% | 3.51% | 0.49% | 11,237 |
| Q1 2025 | $175.3M | $153.9M | $108.3M | $22.2M | $204K | 0.47% | 3.41% | 0.71% | 11,229 |
| Q4 2024 | $169.7M | $148.9M | $106.7M | $22.0M | $1.0M | 0.61% | 3.27% | 0.48% | 11,234 |
| Q3 2024 | $169.3M | $148.3M | $107.4M | $21.8M | $600K | 0.47% | 3.25% | 1.40% | 11,213 |
| Q2 2024 | $173.3M | $151.7M | $106.6M | $21.7M | $397K | 0.46% | 3.15% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.80% | 0.69% | 58th | |
Return on equity Annualized net income ÷ equity or net worth | 6.1% | 5.9% | 52nd | |
Net interest margin Interest income − interest expense, ÷ assets | 3.51% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 1.33% |
| 11,152 |
Loan mix (Q1 2026): real estate $45.7M · commercial $24.3M · consumer $35.9M · securities $43.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 79.5% | 78.7% | 53rd |
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 2 counties across 1 state (+0 vs 2024). Biggest market: Saginaw, MI, ranked 16th with 1.6% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Saginaw, MI | 2 | $100.5M* | 1.57% | 16th |
| Midland, MI | 1 | $50.3M* | 1.79% | 10th |
Michigan: 164th with 0.04% · Saginaw metro: 16th, 1.57% · Midland metro: 10th, 1.79% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 3 · 2023 3 · 2024 3 · 2025 3