| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.8% | +4.8% | +0.0 pts |
| Share growth (YoY) | +4.7% | +4.3% | +0.4 pts |
| Loan growth (YoY) | -3.1% | +4.3% | -7.4 pts |
| ROA | -0.22% | 0.62% | -0.8 pts |
| ROE | -2.4% | 5.9% | -8.4 pts |
ROA ranks in the 3rd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $904.1M | $781.0M | $624.2M | $80.8M | $-492K | -0.22% | 4.09% | 0.66% | 67,425 |
| Q4 2025 | $900.6M | $777.1M | $637.9M | $81.3M | $2.9M | 0.32% | 3.98% | 1.14% | 67,490 |
| Q3 2025 | $878.4M | $757.5M | $649.0M | $79.8M | $1.4M | 0.21% | 4.04% | 1.09% | 67,375 |
| Q2 2025 | $883.7M | $764.2M | $650.9M | $78.6M | $223K | 0.05% | 3.93% | 1.02% | 67,152 |
| Q1 2025 | $862.8M | $746.3M | $644.1M | $80.0M | $512K | 0.24% | 3.94% | 0.98% | 66,719 |
| Q4 2024 | $850.6M | $719.8M | $634.2M | $79.5M | $2.6M | 0.31% | 3.71% | 1.17% | 65,769 |
| Q3 2024 | $838.5M | $715.2M | $616.9M | $78.2M | $1.1M | 0.17% | 3.69% | 1.01% | 65,163 |
| Q2 2024 | $847.6M | $729.7M | $609.8M | $77.3M | $166K | 0.04% | 3.58% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.22% | 0.62% | 3rd | |
Return on equity Annualized net income ÷ equity or net worth | -2.4% | 5.9% | 3rd | |
Net interest margin Interest income − interest expense, ÷ assets | 4.09% | 3.48% |
Peer lists, growth filters, CSV export, CRM push.
| 0.75% |
| 65,551 |
Loan mix (Q1 2026): real estate $156.4M · commercial $46.2M · consumer $380.0M · securities $159.9M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 88.4% | 78.3% | 86th |
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.
11 branches in 8 counties across 1 state (+0 vs 2024). Biggest market: Isabella, MI, ranked 5th with 7.2% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Isabella, MI | 2 | $138.9M* | 7.20% | 5th |
| Clare, MI | 2 | $138.9M* | 25.61% | 3rd |
| Midland, MI | 2 | $138.9M* | 4.95% | 6th |
| 5 more counties with Pro → | ||||
Michigan: 63rd with 0.22% · Grand Rapids-Wyoming-Kentwood metro: 38th, 0.34% · Midland metro: 6th, 4.95% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 11 · 2023 11 · 2024 11 · 2025 11