| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.9% | +4.1% | -0.2 pts |
| Share growth (YoY) | +2.5% | +3.5% | -1.1 pts |
| Loan growth (YoY) | -3.1% | +2.9% | -6.0 pts |
| ROA | 1.66% | 0.74% | +0.9 pts |
| ROE | 9.3% | 6.5% | +2.8 pts |
ROA ranks in the 92nd percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $149.4M | $121.8M | $34.9M | $26.7M | $1.2M | 1.66% | 3.80% | 0.18% | 10,028 |
| Q1 2026 | $150.4M | $123.5M | $35.0M | $26.0M | $590K | 1.57% | 3.74% | 0.22% | 10,079 |
| Q4 2025 | $144.8M | $118.5M | $36.2M | $25.5M | $2.8M | 1.94% | 4.17% | 0.29% | 10,127 |
| Q3 2025 | $142.8M | $117.0M | $36.7M | $24.8M | $2.1M | 2.00% | 4.26% | 0.23% | 10,184 |
| Q2 2025 | $143.9M | $118.9M | $36.0M | $24.1M | $1.4M | 1.97% | 4.23% | 0.28% | 10,203 |
| Q1 2025 | $144.0M | $119.8M | $35.9M | $23.3M | $691K | 1.92% | 4.17% | 0.19% | 10,278 |
| Q4 2024 | $140.1M | $116.7M | $35.9M | $22.6M | $3.1M | 2.24% | 4.52% | 0.25% | 10,321 |
| Q3 2024 | $138.9M | $116.0M | $36.5M | $21.9M | $2.4M | 2.35% | 4.59% |
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.66% | 0.74% | 92nd | |
Return on equity Annualized net income ÷ equity or net worth | 9.3% | 6.5% | 78th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.80% | 3.67% |
Peer lists, growth filters, CSV export, CRM push.
| 0.25% |
| 10,364 |
| Q2 2024 | $139.3M | $116.8M | $35.8M | $21.1M | $1.6M | 2.35% | 4.55% | 0.11% | 10,394 |
Loan mix (Q2 2026): real estate $14.1M · commercial $0 · consumer $16.2M · securities $70.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 60.8% | 77.5% | 9th |
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.
1 branches in 1 county across 1 state (+0 vs 2025). Biggest market: Dickinson, MI, ranked 2nd with 13.6% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Dickinson, MI | 1 | $121.8M* | 13.57% | 2nd |
Michigan: 186th with 0.03% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 1 · 2024 1 · 2025 1 · 2026 1