| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.1% | +4.7% | -1.5 pts |
| Share growth (YoY) | +5.2% | +4.2% | +1.0 pts |
| Loan growth (YoY) | +7.0% | +4.3% | +2.7 pts |
| ROA | 0.76% | 0.75% | +0.0 pts |
| ROE | 7.4% | 6.9% | +0.5 pts |
ROA ranks in the 51st percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $714.4M | $648.9M | $475.4M | $73.8M | $2.7M | 0.76% | 3.15% | 0.88% | 48,241 |
| Q1 2026 | $708.4M | $635.4M | $459.6M | $72.1M | $1.1M | 0.59% | 3.10% | 0.82% | 46,344 |
| Q4 2025 | $710.7M | $627.6M | $458.8M | $71.1M | $3.8M | 0.54% | 2.92% | 0.77% | 46,276 |
| Q3 2025 | $701.0M | $622.1M | $448.2M | $70.5M | $3.2M | 0.61% | 2.91% | 0.77% | 46,015 |
| Q2 2025 | $692.8M | $617.1M | $444.4M | $69.6M | $2.3M | 0.65% | 2.87% | 1.01% | 45,967 |
| Q1 2025 | $675.1M | $602.9M | $435.8M | $68.2M | $947K | 0.56% | 2.91% | 0.69% | 45,745 |
| Q4 2024 | $653.4M | $584.1M | $432.6M | $67.3M | $3.5M | 0.53% | 2.88% | 0.81% | 45,609 |
| Q3 2024 | $665.0M | $577.6M | $426.3M | $66.3M | $2.4M | 0.48% | 2.79% |
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.76% | 0.75% | 51st | |
Return on equity Annualized net income ÷ equity or net worth | 7.4% | 6.9% | 55th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.15% | 3.54% |
Peer lists, growth filters, CSV export, CRM push.
| 0.82% |
| 45,438 |
| Q2 2024 | $671.8M | $589.6M | $426.0M | $65.2M | $1.3M | 0.40% | 2.68% | 0.85% | 45,172 |
Loan mix (Q2 2026): real estate $193.4M · commercial $143.3M · consumer $120.9M · securities $142.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 79.5% | 77.1% | 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.
17 branches in 12 counties across 1 state (+0 vs 2025). Biggest market: Ogemaw, MI, ranked 2nd with 19.4% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Ogemaw, MI | 3 | $114.5M* | 19.40% | 2nd |
| Iosco, MI | 3 | $114.5M* | 15.93% | 4th |
| Osceola, MI | 2 | $76.3M* | 13.79% | 3rd |
| 9 more counties with Pro → | ||||
Michigan: 70th with 0.16% · Traverse City metro: 20th, 0.58% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 14 · 2023 16 · 2024 17 · 2025 17 · 2026 17