| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.8% | +1.3% | +6.5 pts |
| Share growth (YoY) | +6.5% | +0.9% | +5.5 pts |
| Loan growth (YoY) | -7.2% | -2.6% | -4.6 pts |
| ROA | 1.53% | 0.65% | +0.9 pts |
| ROE | 9.7% | 4.4% | +5.3 pts |
ROA ranks in the 86th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $44.2M | $36.8M | $17.9M | $7.0M | $339K | 1.53% | 3.93% | 1.92% | 3,107 |
| Q1 2026 | $43.4M | $36.4M | $18.0M | $6.8M | $130K | 1.20% | 4.05% | 2.26% | 3,057 |
| Q4 2025 | $42.7M | $35.9M | $18.7M | $6.6M | $865K | 2.03% | 4.02% | 0.55% | 3,069 |
| Q3 2025 | $41.8M | $35.3M | $18.7M | $6.4M | $647K | 2.06% | 4.10% | 0.43% | 3,080 |
| Q2 2025 | $41.0M | $34.6M | $19.3M | $6.2M | $403K | 1.97% | 4.11% | 1.49% | 3,112 |
| Q1 2025 | $41.7M | $35.5M | $19.0M | $5.9M | $163K | 1.56% | 3.93% | 0.47% | 3,117 |
| Q4 2024 | $40.3M | $34.6M | $19.1M | $5.6M | $797K | 1.98% | 4.41% | 0.58% | 3,117 |
| Q3 2024 | $41.0M | $35.2M | $19.6M | $5.6M | $678K | 2.21% | 4.29% | 0.51% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.53% | 0.65% | 86th | |
Return on equity Annualized net income ÷ equity or net worth | 9.7% | 4.4% | 84th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.93% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 3,106 |
| Q2 2024 | $40.5M | $35.0M | $19.3M | $5.3M | $481K | 2.38% | 4.28% | 0.11% | 3,099 |
Loan mix (Q2 2026): real estate $6.0M · commercial $0 · consumer $9.6M · securities $12.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 52.6% | 80.6% | 6th |
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: Schoolcraft, MI, ranked 4th with 13.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Schoolcraft, MI | 1 | $36.8M* | 13.12% | 4th |
Michigan: 242nd with 0.01% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1