| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -11.4% | +1.3% | -12.7 pts |
| Share growth (YoY) | -17.6% | +0.9% | -18.6 pts |
| Loan growth (YoY) | +2496.9% | -2.6% | +2499.5 pts |
| ROA | 2.34% | 0.65% | +1.7 pts |
| ROE | 8.3% | 4.4% | +4.0 pts |
ROA ranks in the 97th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.9M | $1.4M | $30K | $537K | $22K | 2.34% | 1.62% | 0.00% | 65 |
| Q1 2026 | $2.0M | $1.5M | $32K | $525K | $10K | 1.99% | 1.33% | 0.00% | 58 |
| Q4 2025 | $1.8M | $1.2M | $34K | $515K | $59K | 3.32% | 2.25% | 0.00% | 65 |
| Q3 2025 | $1.9M | $1.4M | $541 | $496K | $40K | 2.79% | 2.02% | 0.00% | 53 |
| Q2 2025 | $2.2M | $1.7M | $1K | $483K | $27K | 2.50% | 1.82% | 0.00% | 51 |
| Q1 2025 | $2.0M | $1.5M | $2K | $468K | $9K | 1.87% | 1.99% | 0.00% | 50 |
| Q4 2024 | $1.8M | $1.4M | $2K | $456K | $60K | 3.28% | 2.82% | 0.00% | 46 |
| Q3 2024 | $1.9M | $1.5M | $3K | $437K | $41K | 2.84% | 2.37% | 0.00% | 45 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.34% | 0.65% | 97th | |
Return on equity Annualized net income ÷ equity or net worth | 8.3% | 4.4% | 78th | |
Net interest margin Interest income − interest expense, ÷ assets | 1.62% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 |
| $1.8M |
| $1.4M |
| $0 |
| $423K |
| $27K |
| 2.97% |
| 2.47% |
| — |
| 43 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $30K · securities $1.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 22.4% | 80.6% | 0th |
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: Wayne, MI, ranked 58th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Wayne, MI | 2 | $1.4M* | 0.00% | 58th |
Michigan: 308th with 0.00% · Detroit-Warren-Dearborn metro: 107th, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2 · 2026 2