| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.9% | +1.3% | -3.2 pts |
| Share growth (YoY) | -3.6% | +0.7% | -4.3 pts |
| Loan growth (YoY) | +3.9% | -2.4% | +6.3 pts |
| ROA | 0.66% | 0.60% | +0.1 pts |
| ROE | 4.6% | 4.1% | +0.5 pts |
ROA ranks in the 53rd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $82.5M | $67.8M | $61.1M | $11.8M | $137K | 0.66% | 4.79% | 0.57% | 6,264 |
| Q4 2025 | $80.4M | $65.9M | $60.9M | $11.7M | $635K | 0.79% | 4.99% | 1.17% | 6,271 |
| Q3 2025 | $82.0M | $67.5M | $60.1M | $11.4M | $300K | 0.49% | 4.60% | 0.77% | 6,325 |
| Q2 2025 | $84.0M | $69.8M | $59.3M | $11.2M | $175K | 0.42% | 4.41% | 1.80% | 6,384 |
| Q1 2025 | $84.2M | $70.4M | $58.8M | $11.1M | $86K | 0.41% | 4.25% | 0.72% | 6,460 |
| Q4 2024 | $82.5M | $69.1M | $57.9M | $11.1M | $74K | 0.09% | 4.15% | 1.19% | 6,583 |
| Q3 2024 | $80.6M | $67.2M | $56.9M | $11.1M | $110K | 0.18% | 4.17% | 0.96% | 6,661 |
| Q2 2024 | $80.9M | $67.3M | $56.9M | $11.1M | $113K | 0.28% | 4.16% | 0.60% |
| Ratio | Lake Huron Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.66% | 0.60% | 53rd | |
Return on equity Annualized net income ÷ equity or net worth | 4.6% | 4.1% | 54th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.79% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 6,735 |
Loan mix (Q1 2026): real estate $35.5M · commercial $0 · consumer $22.1M · securities $8.9M
85th |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 78.4% | 81.5% | 42nd |
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 | Lake Huron Credit Union | 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 | Lake Huron Credit Union | 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 | Lake Huron Credit Union | 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 | Lake Huron Credit Union | 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 | Lake Huron Credit Union | 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 (+1 vs 2024). Biggest market: Saginaw, MI, ranked 22nd with 0.7% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Saginaw, MI | 2 | $46.6M* | 0.73% | 22nd |
| Bay, MI | 1 | $23.3M* | 0.90% | 18th |
Michigan: 219th with 0.02% · Saginaw metro: 22nd, 0.73% · Bay City metro: 18th, 0.90% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 3