| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.8% | +1.3% | +5.5 pts |
| Share growth (YoY) | +7.0% | +0.7% | +6.4 pts |
| Loan growth (YoY) | -3.1% | -2.4% | -0.8 pts |
| ROA | 0.40% | 0.60% | -0.2 pts |
| ROE | 3.4% | 4.1% | -0.7 pts |
ROA ranks in the 39th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $45.9M | $40.3M | $13.2M | $5.3M | $45K | 0.40% | 2.54% | 0.00% | 2,628 |
| Q4 2025 | $44.7M | $39.2M | $13.7M | $5.2M | $215K | 0.48% | 2.57% | 0.70% | 2,613 |
| Q3 2025 | $44.5M | $39.1M | $13.4M | $5.2M | $127K | 0.38% | 2.45% | 0.70% | 2,600 |
| Q2 2025 | $44.1M | $38.9M | $13.8M | $5.1M | $76K | 0.35% | 2.39% | 0.00% | 2,596 |
| Q1 2025 | $42.9M | $37.7M | $13.6M | $5.1M | $25K | 0.23% | 2.38% | 0.07% | 2,583 |
| Q4 2024 | $41.8M | $36.6M | $14.0M | $5.0M | $182K | 0.43% | 2.36% | 0.05% | 2,555 |
| Q3 2024 | $41.5M | $36.3M | $13.9M | $5.0M | $142K | 0.46% | 2.26% | 0.31% | 2,540 |
| Q2 2024 | $40.8M | $35.9M | $14.0M | $4.9M | $87K | 0.42% | 2.19% | 0.14% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.40% | 0.60% | 39th | |
Return on equity Annualized net income ÷ equity or net worth | 3.4% | 4.1% | 45th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.54% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 2,527 |
Loan mix (Q1 2026): real estate $6.5M · commercial $0 · consumer $5.7M · securities $27.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 85.0% | 81.5% | 58th |
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 2024). Biggest market: Muskegon, MI, ranked 18th with 1.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Muskegon, MI | 1 | $38.9M* | 1.07% | 18th |
Michigan: 244th with 0.01% · Muskegon-Norton Shores metro: 18th, 1.07% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1