| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.3% | +4.1% | +0.1 pts |
| Share growth (YoY) | +3.4% | +3.5% | -0.1 pts |
| Loan growth (YoY) | -1.1% | +2.9% | -4.0 pts |
| ROA | 1.26% | 0.74% | +0.5 pts |
| ROE | 12.5% | 6.5% | +6.0 pts |
ROA ranks in the 80th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $222.2M | $198.8M | $115.9M | $22.4M | $1.4M | 1.26% | 3.35% | 1.14% | 13,524 |
| Q1 2026 | $222.6M | $200.1M | $116.3M | $21.6M | $634K | 1.14% | 3.25% | 0.81% | 13,540 |
| Q4 2025 | $220.6M | $198.1M | $118.0M | $21.0M | $2.5M | 1.13% | 3.20% | 0.81% | 13,488 |
| Q3 2025 | $213.2M | $191.4M | $115.4M | $20.4M | $1.8M | 1.16% | 3.27% | 0.68% | 13,512 |
| Q2 2025 | $213.1M | $192.2M | $117.1M | $19.8M | $1.3M | 1.18% | 3.16% | 0.87% | 13,468 |
| Q1 2025 | $211.6M | $192.1M | $113.4M | $19.0M | $487K | 0.92% | 3.07% | 0.55% | 13,514 |
| Q4 2024 | $207.1M | $188.7M | $117.8M | $18.5M | $1.3M | 0.61% | 2.71% | 0.70% | 13,545 |
| Q3 2024 | $204.1M | $185.7M | $117.8M | $18.0M | $652K | 0.43% | 2.62% |
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.26% | 0.74% | 80th | |
Return on equity Annualized net income ÷ equity or net worth | 12.5% | 6.5% | 93rd | |
Net interest margin Interest income − interest expense, ÷ assets | 3.35% | 3.67% |
Peer lists, growth filters, CSV export, CRM push.
| 0.35% |
| 13,581 |
| Q2 2024 | $204.4M | $186.0M | $110.2M | $17.6M | $239K | 0.23% | 2.52% | 0.33% | 13,511 |
Loan mix (Q2 2026): real estate $61.0M · commercial $10.0M · consumer $42.0M · securities $61.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 71.8% | 77.5% | 31st |
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.
5 branches in 2 counties across 1 state (+1 vs 2025). Biggest market: Isabella, MI, ranked 3rd with 8.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Isabella, MI | 4 | $159.0M* | 8.14% | 3rd |
| Kent, MI | 1 | $39.8M* | 0.11% | 49th |
Michigan: 148th with 0.05% · Grand Rapids-Wyoming-Kentwood metro: 62nd, 0.08% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 4 · 2023 4 · 2024 4 · 2025 4 · 2026 5