| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.2% | +4.1% | +2.1 pts |
| Share growth (YoY) | +5.4% | +3.5% | +1.8 pts |
| Loan growth (YoY) | +6.9% | +2.9% | +4.0 pts |
| ROA | 0.73% | 0.74% | -0.0 pts |
| ROE | 8.1% | 6.5% | +1.6 pts |
ROA ranks in the 50th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $355.7M | $321.0M | $292.9M | $32.1M | $1.3M | 0.73% | 4.04% | 0.94% | 17,923 |
| Q1 2026 | $358.8M | $324.9M | $282.4M | $31.7M | $682K | 0.76% | 3.94% | 0.82% | 17,793 |
| Q4 2025 | $352.5M | $318.9M | $285.5M | $31.3M | $2.8M | 0.79% | 3.71% | 1.00% | 17,730 |
| Q3 2025 | $349.0M | $316.7M | $286.4M | $30.5M | $1.9M | 0.74% | 3.60% | 0.69% | 17,651 |
| Q2 2025 | $335.0M | $304.6M | $274.0M | $28.9M | $1.0M | 0.61% | 3.54% | 0.42% | 15,862 |
| Q1 2025 | $334.2M | $304.1M | $265.1M | $28.6M | $723K | 0.87% | 3.42% | 0.50% | 15,697 |
| Q4 2024 | $328.9M | $299.6M | $264.2M | $28.1M | $728K | 0.22% | 3.19% | 0.87% | 15,555 |
| Q3 2024 | $325.6M | $296.3M | $261.2M | $27.8M | $458K | 0.19% | 3.14% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.73% | 0.74% | 50th | |
Return on equity Annualized net income ÷ equity or net worth | 8.1% | 6.5% | 67th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.04% | 3.67% |
Peer lists, growth filters, CSV export, CRM push.
| 0.91% |
| 15,465 |
| Q2 2024 | $322.1M | $293.0M | $255.1M | $27.6M | $245K | 0.15% | 3.07% | 1.10% | 15,290 |
Loan mix (Q2 2026): real estate $173.5M · commercial $2.2M · consumer $90.0M · securities $28.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 73.3% | 77.5% | 36th |
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.
4 branches in 3 counties across 1 state (+1 vs 2025). Biggest market: Delta, MI, ranked 3rd with 13.4% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Delta, MI | 2 | $160.5M* | 13.36% | 3rd |
| Houghton, MI | 1 | $80.2M* | 6.93% | 5th |
| Menominee, MI | 1 | $80.2M* | 12.34% | 5th |
Michigan: 118th with 0.08% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 3 · 2023 3 · 2024 3 · 2025 3 · 2026 4