| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.3% | +1.3% | +3.0 pts |
| Share growth (YoY) | +3.7% | +0.7% | +3.1 pts |
| Loan growth (YoY) | +2.8% | -2.4% | +5.2 pts |
| ROA | 0.44% | 0.60% | -0.2 pts |
| ROE | 4.0% | 4.1% | -0.1 pts |
ROA ranks in the 41st percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| 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 (Q1 2026): real estate $27.9M · commercial $1.6M · consumer $25.5M · securities $1.7M
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (5q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.44% | 0.60% | 41st | |
Return on equity Annualized net income ÷ equity or net worth | 4.0% | 4.1% | 50th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.15% | 3.83% | 65th | |
Efficiency ratio |
Peer lists, growth filters, CSV export, CRM push.
| 82.3% |
| 81.5% |
52nd |
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 (5q) | 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 (5q) | 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 (5q) | 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 (5q) | 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 (5q) | 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. Biggest market: Schoolcraft, MI, ranked 3rd with 18.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Schoolcraft, MI | 2 | $45.5M* | 17.97% | 3rd |
| Chippewa, MI | 1 | $22.7M* | 2.54% | 8th |
Michigan: 220th with 0.02% · * Deposits estimated (total shares spread across branches).