| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +9.1% | +3.9% | +5.2 pts |
| Share growth (YoY) | +7.0% | +3.3% | +3.7 pts |
| Loan growth (YoY) | +8.3% | +2.9% | +5.4 pts |
| ROA | 1.04% | 0.69% | +0.3 pts |
| ROE | 8.9% | 5.9% | +3.0 pts |
ROA ranks in the 72nd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $459.4M | $386.0M | $294.4M | $53.3M | $1.2M | 1.04% | 3.64% | 1.01% | 31,795 |
| Q4 2025 | $452.2M | $379.2M | $296.3M | $52.1M | $2.9M | 0.65% | 3.49% | 1.33% | 32,005 |
| Q3 2025 | $433.6M | $373.1M | $293.1M | $51.7M | $2.3M | 0.72% | 3.57% | 1.19% | 32,240 |
| Q2 2025 | $429.6M | $372.1M | $276.4M | $50.7M | $1.3M | 0.61% | 3.48% | 1.35% | 32,043 |
| Q1 2025 | $421.3M | $360.8M | $271.9M | $49.4M | $112K | 0.11% | 3.33% | 1.50% | 32,154 |
| Q4 2024 | $419.5M | $355.2M | $277.6M | $49.3M | $2.4M | 0.58% | 3.17% | 2.09% | 32,450 |
| Q3 2024 | $417.7M | $358.2M | $278.2M | $50.2M | $3.2M | 1.02% | 3.13% | 2.06% | 32,500 |
| Q2 2024 | $425.4M | $370.1M | $275.2M | $48.2M | $1.2M | 0.57% | 2.98% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.04% | 0.69% | 72nd | |
Return on equity Annualized net income ÷ equity or net worth | 8.9% | 5.9% | 75th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.64% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 1.65% |
| 32,470 |
Loan mix (Q1 2026): real estate $77.0M · commercial $68.2M · consumer $128.1M · securities $87.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 78.4% | 78.7% | 49th |
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.
11 branches in 3 counties across 1 state (+0 vs 2024). Biggest market: Wayne, MI, ranked 18th with 0.5% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Wayne, MI | 9 | $304.5M* | 0.48% | 18th |
| Macomb, MI | 1 | $33.8M* | 0.14% | 37th |
| Oakland, MI | 1 | $33.8M* | 0.04% | 57th |
Michigan: 102nd with 0.11% · Detroit-Warren-Dearborn metro: 35th, 0.20% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 10 · 2023 10 · 2024 11 · 2025 11