| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.8% | +4.1% | -3.4 pts |
| Share growth (YoY) | -0.1% | +3.5% | -3.6 pts |
| Loan growth (YoY) | -0.1% | +2.9% | -2.9 pts |
| ROA | 0.60% | 0.74% | -0.1 pts |
| ROE | 6.4% | 6.5% | -0.1 pts |
ROA ranks in the 39th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $183.8M | $165.3M | $149.6M | $17.4M | $556K | 0.60% | 4.01% | 2.33% | 8,984 |
| Q1 2026 | $181.7M | $163.9M | $151.0M | $17.4M | $-68K | -0.15% | 4.04% | 1.13% | 8,971 |
| Q4 2025 | $182.2M | $164.1M | $151.4M | $17.5M | $1.7M | 0.93% | 3.92% | 1.80% | 8,943 |
| Q3 2025 | $184.8M | $167.3M | $151.2M | $17.1M | $1.5M | 1.05% | 3.74% | 1.37% | 9,034 |
| Q2 2025 | $182.4M | $165.5M | $149.7M | $16.6M | $894K | 0.98% | 3.65% | 1.61% | 8,996 |
| Q1 2025 | $176.4M | $160.1M | $143.6M | $16.1M | $442K | 1.00% | 3.71% | 1.08% | 8,885 |
| Q4 2024 | $172.3M | $156.4M | $142.7M | $15.5M | $1.9M | 1.09% | 3.59% | 1.19% | 8,820 |
| Q3 2024 | $162.2M | $147.0M | $138.8M | $14.8M | $1.4M | 1.14% | 3.70% |
| Ratio | SAFE Harbor Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.60% | 0.74% | 39th | |
Return on equity Annualized net income ÷ equity or net worth | 6.4% | 6.5% | 49th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.01% | 3.67% |
Peer lists, growth filters, CSV export, CRM push.
| 1.27% |
| 8,745 |
| Q2 2024 | $157.5M | $143.0M | $134.5M | $14.2M | $859K | 1.09% | 3.72% | 1.12% | 8,219 |
Loan mix (Q2 2026): real estate $99.0M · commercial $14.5M · consumer $24.5M · securities $14.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 76.7% | 77.5% | 48th |
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 | SAFE Harbor 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 | SAFE Harbor 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 | SAFE Harbor 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 | SAFE Harbor 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 | SAFE Harbor 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.
1 branches in 1 county across 1 state (+0 vs 2025). Biggest market: Mason, MI, ranked 2nd with 17.3% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Mason, MI | 1 | $165.3M* | 17.28% | 2nd |
Michigan: 161st with 0.04% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1