| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -4.4% | +1.3% | -5.7 pts |
| Share growth (YoY) | -4.5% | +0.9% | -5.5 pts |
| Loan growth (YoY) | -11.6% | -2.6% | -9.0 pts |
| ROA | 1.20% | 0.65% | +0.6 pts |
| ROE | 6.2% | 4.4% | +1.8 pts |
ROA ranks in the 76th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $25.1M | $19.8M | $12.0M | $4.9M | $150K | 1.20% | 4.43% | 1.88% | 2,273 |
| Q1 2026 | $25.9M | $20.5M | $12.7M | $4.8M | $67K | 1.03% | 4.38% | 1.35% | 2,297 |
| Q4 2025 | $25.6M | $19.8M | $13.2M | $4.7M | $432K | 1.69% | 4.69% | 1.12% | 2,323 |
| Q3 2025 | $25.4M | $19.9M | $13.7M | $4.7M | $344K | 1.81% | 4.84% | 0.75% | 2,350 |
| Q2 2025 | $26.2M | $20.7M | $13.5M | $4.5M | $222K | 1.69% | 4.82% | 0.64% | 2,357 |
| Q1 2025 | $26.8M | $21.4M | $14.0M | $4.4M | $104K | 1.55% | 4.62% | 1.14% | 2,362 |
| Q4 2024 | $27.4M | $21.8M | $14.3M | $4.3M | $457K | 1.67% | 4.45% | 0.84% | 2,394 |
| Q3 2024 | $26.4M | $21.2M | $14.9M | $4.2M | $333K | 1.68% | 4.45% | 0.93% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.20% | 0.65% | 76th | |
Return on equity Annualized net income ÷ equity or net worth | 6.2% | 4.4% | 63rd | |
Net interest margin Interest income − interest expense, ÷ assets | 4.43% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 2,737 |
| Q2 2024 | $26.8M | $21.6M | $15.1M | $4.1M | $202K | 1.51% | 4.31% | 0.48% | 2,765 |
Loan mix (Q2 2026): real estate $2.4M · commercial $0 · consumer $8.9M · securities $7.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 79.1% | 80.6% | 46th |
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 2 counties across 1 state (+2 vs 2025). Biggest market: Grand Traverse, MI, ranked 21st with 0.2% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Grand Traverse, MI | 2 | $13.2M* | 0.24% | 21st |
| Kent, MI | 1 | $6.6M* | 0.02% | 67th |
Michigan: 266th with 0.01% · Traverse City metro: 23rd, 0.20% · Grand Rapids-Wyoming-Kentwood metro: 80th, 0.01% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 3