| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.4% | +1.3% | +6.1 pts |
| Share growth (YoY) | +7.2% | +0.9% | +6.2 pts |
| Loan growth (YoY) | +3.6% | -2.6% | +6.2 pts |
| ROA | 0.51% | 0.65% | -0.1 pts |
| ROE | 4.8% | 4.4% | +0.4 pts |
ROA ranks in the 42nd percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $83.1M | $73.1M | $65.3M | $8.9M | $212K | 0.51% | 4.09% | 0.55% | 4,979 |
| Q1 2026 | $81.1M | $71.3M | $62.9M | $8.8M | $89K | 0.44% | 4.15% | 0.64% | 4,871 |
| Q4 2025 | $80.0M | $70.7M | $63.3M | $8.7M | $716K | 0.90% | 4.26% | 0.81% | 4,876 |
| Q3 2025 | $78.3M | $68.8M | $63.8M | $8.5M | $542K | 0.92% | 4.28% | 0.77% | 4,904 |
| Q2 2025 | $77.4M | $68.2M | $63.1M | $8.3M | $347K | 0.90% | 4.17% | 0.63% | 4,822 |
| Q1 2025 | $77.7M | $68.8M | $61.1M | $8.1M | $146K | 0.75% | 4.05% | 0.70% | 4,733 |
Loan mix (Q2 2026): real estate $29.3M · commercial $1.4M · consumer $26.2M · securities $2.2M
| Ratio | Value | Trend (6q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.51% | 0.65% | 42nd | |
Return on equity Annualized net income ÷ equity or net worth | 4.8% | 4.4% | 53rd | |
Net interest margin Interest income − interest expense, ÷ assets | 4.09% | 3.88% | 60th |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 83.2% | 80.6% | 57th |
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 (6q) | 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 (6q) | 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 (6q) | 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 (6q) | 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 (6q) | 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 (+0 vs 2025). Biggest market: Schoolcraft, MI, ranked 3rd with 17.3% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Schoolcraft, MI | 2 | $48.7M* | 17.34% | 3rd |
| Chippewa, MI | 1 | $24.4M* | 2.55% | 8th |
Michigan: 216th with 0.02% · * Deposits estimated (total shares spread across branches).
Branch count: 2025 3 · 2026 3