| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.0% | +1.3% | +2.7 pts |
| Share growth (YoY) | +2.6% | +0.9% | +1.7 pts |
| Loan growth (YoY) | -5.9% | -2.6% | -3.3 pts |
| ROA | 2.14% | 0.65% | +1.5 pts |
| ROE | 21.9% | 4.4% | +17.5 pts |
ROA ranks in the 95th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $12.9M | $11.6M | $3.4M | $1.3M | $138K | 2.14% | 4.56% | 1.67% | 1,286 |
| Q1 2026 | $12.6M | $11.4M | $3.4M | $1.2M | $75K | 2.39% | 4.80% | 0.94% | 1,288 |
| Q4 2025 | $12.6M | $11.4M | $3.4M | $1.1M | $239K | 1.90% | 4.59% | 1.06% | 1,311 |
| Q3 2025 | $12.3M | $11.1M | $3.5M | $1.1M | $195K | 2.11% | 4.68% | 0.61% | 1,310 |
| Q2 2025 | $12.4M | $11.3M | $3.6M | $1.1M | $134K | 2.16% | 4.55% | 0.28% | 1,208 |
| Q1 2025 | $12.2M | $11.2M | $3.7M | $995K | $62K | 2.02% | 4.65% | 0.00% | 1,201 |
| Q4 2024 | $11.2M | $10.2M | $3.9M | $947K | $127K | 1.13% | 4.62% | 0.56% | 1,317 |
| Q3 2024 | $11.1M | $10.1M | $4.2M | $907K | $74K | 0.88% | 4.64% | 0.57% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.14% | 0.65% | 95th | |
Return on equity Annualized net income ÷ equity or net worth | 21.9% | 4.4% | 99th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.56% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 1,221 |
| Q2 2024 | $11.5M | $10.5M | $4.3M | $859K | $13K | 0.22% | 4.37% | 0.82% | 1,336 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $2.7M · securities $7.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 68.6% | 80.6% | 24th |
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.
1 branches in 1 county across 1 state (+0 vs 2025). Biggest market: Alger, MI, ranked 3rd with 5.2% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Alger, MI | 1 | $11.6M* | 5.21% | 3rd |
Michigan: 280th with 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1