North Central Area Credit Union
Total assets
$269.4M
▲ +9.8% YoY
Shares & deposits
$239.8M
▲ +8.5% YoY
Loans
$191.5M
▲ +15.6% YoY
Members
20,236
▼ -1.9% YoY
ROA (annualized)
1.38%
peers 0.69%
ROE (annualized)
12.24%
peers 5.95%
Peer comparison 1,070 credit unions with 100M-500M in assets
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +9.8% | +3.9% | +5.9 pts |
| Share growth (YoY) | +8.5% | +3.3% | +5.2 pts |
| Loan growth (YoY) | +15.6% | +2.9% | +12.7 pts |
| ROA | 1.38% | 0.69% | +0.7 pts |
| ROE | 12.2% | 5.9% | +6.3 pts |
ROA ranks in the 86th percentile of its peer group · Q1 2026
Profile
- Established
- 1956
- Charter
- FISCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 5
- Address
- Po Box 817, Houghton Lake, MI, 48629
- NCUA charter #
- 61953
- RSSD ID
- 172792
- Latest call report
- Q1 2026
Total assets last 8 quarters
Members last 8 quarters
Quarterly financials NCUA 5300 call report
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $269.4M | $239.8M | $191.5M | $30.5M | $932K | 1.38% | 4.37% | 0.88% | 20,236 |
| Q4 2025 | $260.8M | $232.6M | $186.0M | $29.3M | $3.3M | 1.28% | 4.29% | 1.58% | 20,029 |
| Q3 2025 | $256.3M | $228.7M | $183.8M | $28.5M | $2.6M | 1.33% | 4.32% | 1.78% | 19,635 |
| Q2 2025 | $254.8M | $227.9M | $177.4M | $27.6M | $1.7M | 1.31% | 4.27% | 1.34% | 19,423 |
| Q1 2025 | $245.4M | $221.0M | $165.6M | $26.7M | $765K | 1.25% | 4.43% | 1.19% | 20,635 |
| Q4 2024 | $241.7M | $216.0M | $161.3M | $25.9M | $3.0M | 1.24% | 3.99% | 1.80% | 20,496 |
| Q3 2024 | $236.4M | $209.9M | $156.7M | $25.3M | $2.4M | 1.33% | 4.00% | 1.52% | 20,309 |
| Q2 2024 | $232.0M | $206.8M | $149.9M | $24.8M | $1.8M | 1.54% | 3.96% | 1.06% | 20,137 |
Loan mix (Q1 2026): real estate $58.9M · commercial $2.1M · consumer $112.0M · securities $42.0M
Ratio pack Q1 2026 · peer medians from 1070 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.38% | 0.69% | 86th | |
Return on equity Annualized net income ÷ equity or net worth | 12.2% | 5.9% | 91th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.37% | 3.62% | 88th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 73.4% | 78.7% | 32th | |
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% |
Balance sheet
| 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% |
Capital
| 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% |
Credit quality
| 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% |
Franchise
| 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% |
12 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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