| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.3% | +3.9% | -1.6 pts |
| Share growth (YoY) | +1.7% | +3.3% | -1.6 pts |
| Loan growth (YoY) | +9.4% | +2.9% | +6.5 pts |
| ROA | 0.36% | 0.69% | -0.3 pts |
| ROE | 3.0% | 5.9% | -3.0 pts |
ROA ranks in the 27th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $346.4M | $302.4M | $223.6M | $41.3M | $308K | 0.36% | 4.14% | 0.09% | 24,056 |
| Q4 2025 | $335.8M | $292.3M | $225.2M | $41.0M | $3.9M | 1.17% | 4.22% | 0.31% | 24,143 |
| Q3 2025 | $332.3M | $289.9M | $220.1M | $40.4M | $3.3M | 1.31% | 4.19% | 0.24% | 24,022 |
| Q2 2025 | $337.0M | $294.1M | $213.6M | $39.5M | $2.4M | 1.40% | 4.06% | 0.15% | 23,881 |
| Q1 2025 | $338.7M | $297.5M | $204.4M | $38.8M | $1.6M | 1.92% | 3.93% | 0.16% | 23,757 |
| Q4 2024 | $331.7M | $293.4M | $206.2M | $37.2M | $2.3M | 0.70% | 3.52% | 0.13% | 23,866 |
| Q3 2024 | $337.2M | $298.0M | $212.1M | $36.5M | $1.5M | 0.59% | 3.32% | 0.20% | 24,102 |
| Q2 2024 | $349.3M | $312.7M | $214.6M | $35.8M | $836K | 0.48% | 3.10% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.36% | 0.69% | 27th | |
Return on equity Annualized net income ÷ equity or net worth | 3.0% | 5.9% | 25th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.14% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.06% |
| 24,258 |
Loan mix (Q1 2026): real estate $56.4M · commercial $9.6M · consumer $147.2M · securities $83.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 82.2% | 78.7% | 63rd |
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.
9 branches in 2 counties across 1 state (+0 vs 2024). Biggest market: Oakland, MI, ranked 31st with 0.2% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Oakland, MI | 6 | $196.1M* | 0.22% | 31st |
| Macomb, MI | 3 | $98.0M* | 0.42% | 26th |
Michigan: 122nd with 0.08% · Detroit-Warren-Dearborn metro: 42nd, 0.16% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 8 · 2023 8 · 2024 9 · 2025 9