| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +11.9% | +1.3% | +10.6 pts |
| Share growth (YoY) | +12.3% | +0.9% | +11.4 pts |
| Loan growth (YoY) | +12.2% | -2.6% | +14.8 pts |
| ROA | 0.59% | 0.65% | -0.1 pts |
| ROE | 3.5% | 4.4% | -0.9 pts |
ROA ranks in the 47th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $38.5M | $33.2M | $12.5M | $6.5M | $113K | 0.59% | 2.00% | 0.00% | 1,264 |
| Q1 2026 | $36.5M | $31.3M | $11.4M | $6.4M | $59K | 0.65% | 2.24% | 0.00% | 1,267 |
| Q4 2025 | $35.6M | $30.4M | $11.6M | $6.4M | $210K | 0.59% | 2.05% | 0.00% | 1,278 |
| Q3 2025 | $35.0M | $29.9M | $11.7M | $6.3M | $150K | 0.57% | 2.00% | 0.00% | 1,290 |
| Q2 2025 | $34.4M | $29.6M | $11.2M | $6.2M | $81K | 0.47% | 1.95% | 0.07% | 1,310 |
| Q1 2025 | $33.2M | $28.5M | $10.4M | $6.2M | $38K | 0.46% | 1.93% | 0.00% | 1,325 |
| Q4 2024 | $31.7M | $27.4M | $9.7M | $6.1M | $207K | 0.65% | 2.27% | 0.06% | 1,344 |
| Q3 2024 | $32.2M | $27.4M | $10.2M | $6.1M | $159K | 0.66% | 2.23% | 0.03% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.59% | 0.65% | 47th | |
Return on equity Annualized net income ÷ equity or net worth | 3.5% | 4.4% | 43rd | |
Net interest margin Interest income − interest expense, ÷ assets | 2.00% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 1,355 |
| Q2 2024 | $32.1M | $27.9M | $10.3M | $6.0M | $105K | 0.65% | 2.30% | 0.00% | 1,374 |
Loan mix (Q2 2026): real estate $3.5M · commercial $7.6M · consumer $1.2M · securities $23.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 71.4% | 80.6% | 28th |
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.
2 branches in 2 counties across 2 states (+0 vs 2025). Biggest market: Kent, MI, ranked 60th with 0.1% of deposits.
Michigan: 275th with 0.00% · Hawaii: 57th with 0.02% · Kahului-Wailuku metro: 19th, 0.25% · Grand Rapids-Wyoming-Kentwood metro: 74th, 0.04% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2 · 2026 2