| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -4.5% | +1.3% | -5.8 pts |
| Share growth (YoY) | -5.1% | +0.9% | -6.0 pts |
| Loan growth (YoY) | +5.8% | -2.6% | +8.4 pts |
| ROA | -1.61% | 0.65% | -2.3 pts |
| ROE | -7.2% | 4.4% | -11.6 pts |
ROA ranks in the 5th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $61.8M | $46.0M | $37.7M | $13.9M | $-499K | -1.61% | 6.67% | 1.98% | 12,602 |
| Q1 2026 | $65.0M | $49.1M | $35.9M | $14.1M | $-237K | -1.46% | 6.19% | 1.94% | 12,460 |
| Q4 2025 | $63.1M | $47.7M | $36.7M | $14.3M | $-1.5M | -2.38% | 6.26% | 2.54% | 12,260 |
| Q3 2025 | $62.4M | $46.3M | $36.0M | $14.7M | $-1.2M | -2.54% | 6.30% | 2.63% | 12,588 |
| Q2 2025 | $64.7M | $48.4M | $35.7M | $15.2M | $-715K | -2.21% | 6.03% | 3.08% | 12,354 |
| Q1 2025 | $66.0M | $49.2M | $35.5M | $15.6M | $-334K | -2.02% | 5.89% | 2.73% | 12,197 |
| Q4 2024 | $64.1M | $47.1M | $36.2M | $15.9M | $45K | 0.07% | 6.32% | 3.27% | 12,481 |
| Q3 2024 | $64.3M | $46.9M | $35.7M | $16.2M | $315K | 0.65% | 6.26% |
| Ratio | One Detroit Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -1.61% | 0.65% | 5th | |
Return on equity Annualized net income ÷ equity or net worth | -7.2% | 4.4% | 7th | |
Net interest margin Interest income − interest expense, ÷ assets | 6.67% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 2.59% |
| 12,267 |
| Q2 2024 | $64.4M | $48.4M | $34.7M | $15.9M | $-21K | -0.07% | 6.16% | 2.25% | 11,970 |
Loan mix (Q2 2026): real estate $13.6M · commercial $0 · consumer $19.1M · securities $16.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 99.9% | 80.6% | 87th |
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 | One Detroit Credit Union | 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 | One Detroit Credit Union | 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 | One Detroit Credit Union | 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 | One Detroit Credit Union | 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 | One Detroit Credit Union | 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.
4 branches in 1 county across 1 state (+0 vs 2025). Biggest market: Wayne, MI, ranked 51st with 0.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Wayne, MI | 4 | $46.0M* | 0.05% | 51st |
Michigan: 234th with 0.01% · Detroit-Warren-Dearborn metro: 83rd, 0.02% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 3 · 2023 3 · 2024 3 · 2025 4 · 2026 4