| Metric | Our Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.1% | +4.1% | -0.0 pts |
| Share growth (YoY) | +2.8% | +3.5% | -0.8 pts |
| Loan growth (YoY) | +8.9% | +2.9% | +6.0 pts |
| ROA | 0.63% | 0.74% | -0.1 pts |
| ROE | 6.3% | 6.5% | -0.1 pts |
ROA ranks in the 41st percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $375.1M | $347.3M | $239.2M | $37.4M | $1.2M | 0.63% | 3.68% | 0.48% | 23,559 |
| Q1 2026 | $369.8M | $343.0M | $225.6M | $36.7M | $488K | 0.53% | 3.59% | 0.45% | 23,532 |
| Q4 2025 | $360.4M | $335.3M | $223.3M | $36.3M | $2.4M | 0.68% | 3.67% | 0.56% | 23,626 |
| Q3 2025 | $353.7M | $329.6M | $221.6M | $35.6M | $1.8M | 0.68% | 3.73% | 0.62% | 23,668 |
| Q2 2025 | $360.4M | $338.0M | $219.7M | $35.0M | $1.2M | 0.65% | 3.60% | 0.63% | 23,567 |
| Q1 2025 | $360.3M | $339.0M | $203.4M | $34.3M | $521K | 0.58% | 3.51% | 0.50% | 23,513 |
| Q4 2024 | $357.8M | $338.8M | $209.8M | $33.8M | $1.3M | 0.35% | 3.36% | 0.80% | 23,614 |
| Q3 2024 | $358.9M | $336.9M | $210.4M | $33.4M | $876K | 0.33% | 3.32% |
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Our Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.63% | 0.74% | 41st | |
Return on equity Annualized net income ÷ equity or net worth | 6.3% | 6.5% | 49th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.68% | 3.67% |
Peer lists, growth filters, CSV export, CRM push.
| 0.81% |
| 23,711 |
| Q2 2024 | $365.1M | $345.9M | $211.8M | $33.1M | $497K | 0.27% | 3.23% | 0.76% | 23,767 |
Loan mix (Q2 2026): real estate $79.8M · commercial $35.8M · consumer $111.2M · securities $65.9M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 78.3% | 77.5% | 52nd |
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 | Our 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 | Our 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 | Our 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 | Our 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 | Our 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.
6 branches in 2 counties across 1 state (+0 vs 2025). Biggest market: Oakland, MI, ranked 27th with 0.3% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Oakland, MI | 4 | $231.5M* | 0.26% | 27th |
| Macomb, MI | 2 | $115.8M* | 0.42% | 24th |
Michigan: 110th with 0.09% · Detroit-Warren-Dearborn metro: 40th, 0.16% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 5 · 2023 5 · 2024 5 · 2025 6 · 2026 6