| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -7.9% | +1.3% | -9.2 pts |
| Share growth (YoY) | -9.9% | +0.9% | -10.8 pts |
| Loan growth (YoY) | +8.1% | -2.6% | +10.7 pts |
| ROA | 0.72% | 0.65% | +0.1 pts |
| ROE | 3.2% | 4.4% | -1.1 pts |
ROA ranks in the 54th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $15.0M | $11.6M | $3.6M | $3.3M | $54K | 0.72% | 2.96% | 0.00% | 627 |
| Q1 2026 | $15.3M | $12.0M | $3.5M | $3.3M | $21K | 0.56% | 2.87% | 0.13% | 638 |
| Q4 2025 | $15.5M | $12.2M | $3.6M | $3.2M | $116K | 0.75% | 2.82% | 0.19% | 650 |
| Q3 2025 | $15.5M | $12.1M | $3.3M | $3.3M | $174K | 1.50% | 3.32% | 0.26% | 645 |
| Q2 2025 | $16.3M | $12.9M | $3.3M | $3.2M | $106K | 1.30% | 3.16% | 0.32% | 647 |
| Q1 2025 | $16.5M | $13.2M | $3.4M | $3.2M | $-2K | -0.06% | 1.86% | 0.37% | 658 |
| Q4 2024 | $16.7M | $13.4M | $3.6M | $3.2M | $16K | 0.10% | 2.13% | 0.40% | 674 |
| Q3 2024 | $17.9M | $13.7M | $3.6M | $3.2M | $23K | 0.17% | 2.02% | 0.45% | 682 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.72% | 0.65% | 54th | |
Return on equity Annualized net income ÷ equity or net worth | 3.2% | 4.4% | 41st | |
Net interest margin Interest income − interest expense, ÷ assets | 2.96% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 | $18.8M | $14.3M | $3.6M | $3.2M | $11K | 0.12% | 1.89% | 0.51% | 696 |
Loan mix (Q2 2026): real estate $1.6M · commercial $0 · consumer $1.8M · securities $10.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 75.9% | 80.6% | 38th |
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.
3 branches in 3 counties across 3 states (+0 vs 2025). Biggest market: Genesee, MI, ranked 28th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Genesee, MI | 1 | $3.9M* | 0.04% | 28th |
| Salt Lake, UT | 1 | $3.9M* | 0.00% | 130th |
| Mobile, AL | 1 | $3.9M* | 0.03% | 48th |
Michigan: 300th with 0.00% · Alabama: 236th with 0.00% · Utah: 159th with 0.00% · Flint metro: 28th, 0.04% · Salt Lake City-Murray metro: 130th, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 3 · 2023 3 · 2024 3 · 2025 3 · 2026 3