| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.2% | +1.3% | -0.1 pts |
| Share growth (YoY) | -0.7% | +0.9% | -1.6 pts |
| Loan growth (YoY) | +22.7% | -2.6% | +25.4 pts |
| ROA | 1.28% | 0.65% | +0.6 pts |
| ROE | 8.0% | 4.4% | +3.6 pts |
ROA ranks in the 79th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $30.4M | $25.5M | $27.0M | $4.9M | $195K | 1.28% | 4.62% | 0.22% | 2,533 |
| Q1 2026 | $31.2M | $26.5M | $25.2M | $4.8M | $91K | 1.16% | 4.40% | 0.26% | 2,522 |
| Q4 2025 | $30.5M | $25.7M | $24.1M | $4.7M | $394K | 1.29% | 4.48% | 0.49% | 2,541 |
| Q3 2025 | $29.7M | $25.1M | $23.7M | $4.5M | $242K | 1.08% | 4.45% | 0.21% | 2,527 |
| Q2 2025 | $30.0M | $25.6M | $22.0M | $4.4M | $113K | 0.75% | 4.30% | 0.02% | 2,562 |
| Q1 2025 | $31.7M | $27.4M | $22.0M | $4.3M | $17K | 0.21% | 3.97% | 0.14% | 2,561 |
| Q4 2024 | $31.5M | $26.9M | $22.3M | $4.3M | $459K | 1.46% | 4.13% | 0.53% | 2,559 |
| Q3 2024 | $32.3M | $27.9M | $22.6M | $4.3M | $443K | 1.83% | 3.90% | 1.38% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.28% | 0.65% | 79th | |
Return on equity Annualized net income ÷ equity or net worth | 8.0% | 4.4% | 76th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.62% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 2,567 |
| Q2 2024 | $31.2M | $27.0M | $22.5M | $4.2M | $323K | 2.07% | 4.00% | 1.02% | 2,567 |
Loan mix (Q2 2026): real estate $8.9M · commercial $0 · consumer $13.4M · securities $1.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 72.3% | 80.6% | 30th |
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: Kent, MI, ranked 56th with 0.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Kent, MI | 1 | $25.5M* | 0.07% | 56th |
Michigan: 256th with 0.01% · Grand Rapids-Wyoming-Kentwood metro: 69th, 0.05% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1