| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.3% | +1.3% | +5.0 pts |
| Share growth (YoY) | +4.5% | +0.9% | +3.6 pts |
| Loan growth (YoY) | +13.7% | -2.6% | +16.3 pts |
| ROA | 2.19% | 0.65% | +1.5 pts |
| ROE | 15.3% | 4.4% | +10.9 pts |
ROA ranks in the 96th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $11.2M | $9.5M | $5.9M | $1.6M | $122K | 2.19% | 4.44% | 0.17% | 1,320 |
| Q1 2026 | $10.9M | $9.4M | $5.5M | $1.5M | $52K | 1.90% | 4.44% | 0.06% | 1,330 |
| Q4 2025 | $10.7M | $9.2M | $5.6M | $1.5M | $255K | 2.39% | 4.75% | 0.66% | 1,336 |
| Q3 2025 | $10.6M | $9.2M | $5.3M | $1.4M | $203K | 2.54% | 4.77% | 0.38% | 1,333 |
| Q2 2025 | $10.5M | $9.1M | $5.2M | $1.4M | $129K | 2.46% | 4.76% | 0.52% | 1,321 |
| Q1 2025 | $10.5M | $9.2M | $4.9M | $1.3M | $62K | 2.37% | 4.71% | 0.05% | 1,320 |
| Q4 2024 | $10.1M | $8.9M | $5.1M | $1.2M | $306K | 3.02% | 5.01% | 0.34% | 1,308 |
| Q3 2024 | $10.2M | $9.1M | $5.2M | $1.1M | $232K | 3.03% | 4.97% | 0.07% | 1,296 |
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.19% | 0.65% | 96th | |
Return on equity Annualized net income ÷ equity or net worth | 15.3% | 4.4% | 97th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.44% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 | $10.1M | $9.0M | $4.9M | $1.1M | $145K | 2.88% | 5.02% | 0.07% | 1,287 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $4.9M · securities $3.9M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 57.6% | 80.6% | 10th |
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: Ontonagon, MI, ranked 5th with 4.6% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Ontonagon, MI | 1 | $9.5M* | 4.64% | 5th |
Michigan: 285th with 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1