| Metric | Orsa Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -3.8% | +5.1% | -8.9 pts |
| Share growth (YoY) | -5.1% | +4.8% | -9.9 pts |
| Loan growth (YoY) | -9.2% | +5.4% | -14.6 pts |
| ROA | 0.04% | 0.80% | -0.8 pts |
| ROE | 0.4% | 7.4% | -7.0 pts |
ROA ranks in the 3rd percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.47B | $1.30B | $1.28B | $144.6M | $258K | 0.04% | 3.90% | 1.52% | 86,714 |
| Q1 2026 | $1.48B | $1.31B | $1.23B | $148.8M | $-173K | -0.05% | 3.76% | 0.73% | 86,442 |
| Q4 2025 | $1.47B | $1.30B | $1.27B | $150.8M | $871K | 0.06% | 3.91% | 1.03% | 83,834 |
| Q3 2025 | $1.48B | $1.32B | $1.30B | $156.2M | $3.2M | 0.28% | 3.87% | 0.98% | 83,545 |
| Q2 2025 | $1.50B | $1.34B | $1.32B | $155.2M | $2.2M | 0.29% | 3.71% | 1.05% | 83,668 |
| Q1 2025 | $1.54B | $1.38B | $1.36B | $153.5M | $600K | 0.16% | 3.47% | 1.02% | 83,992 |
| Q4 2024 | $1.58B | $1.36B | $1.38B | $154.8M | $544K | 0.03% | 3.37% | 1.08% | 83,996 |
| Q3 2024 | $1.55B | $1.35B | $1.41B | $154.0M | $-250K | -0.02% | 3.38% |
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Orsa Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.04% | 0.71% | 3rd | |
Return on equity Annualized net income ÷ equity or net worth | 0.4% | 6.3% | 3rd | |
Net interest margin Interest income − interest expense, ÷ assets | 3.90% | 3.32% |
Peer lists, growth filters, CSV export, CRM push.
| 0.85% |
| 84,060 |
| Q2 2024 | $1.60B | $1.38B | $1.44B | $152.6M | $-1.7M | -0.21% | 3.18% | 0.61% | 83,819 |
Loan mix (Q2 2026): real estate $699.8M · commercial $223.1M · consumer $336.3M · securities $46.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 92.4% | 73.0% | 97th |
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 | Orsa 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 | Orsa 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 | Orsa 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 | Orsa 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 | Orsa 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.
14 branches in 4 counties across 1 state (+2 vs 2025). Biggest market: Wayne, MI, ranked 9th with 1.2% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Wayne, MI | 7 | $782.1M* | 1.24% | 9th |
| Montmorency, MI | 3 | $335.2M* | 69.24% | 1st |
| Oakland, MI | 1 | $111.7M* | 0.13% | 41st |
| 1 more county with Pro → | ||||
Michigan: 34th with 0.38% · Detroit-Warren-Dearborn metro: 23rd, 0.48% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 15 · 2023 13 · 2024 14 · 2025 12 · 2026 14