| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -2.1% | +4.1% | -6.2 pts |
| Share growth (YoY) | -4.0% | +3.5% | -7.6 pts |
| Loan growth (YoY) | -4.2% | +2.9% | -7.1 pts |
| ROA | 1.58% | 0.74% | +0.8 pts |
| ROE | 8.5% | 6.5% | +2.0 pts |
ROA ranks in the 90th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $198.5M | $160.8M | $140.4M | $36.8M | $1.6M | 1.58% | 4.28% | 0.42% | 21,028 |
| Q1 2026 | $197.4M | $160.0M | $139.4M | $36.1M | $863K | 1.75% | 4.26% | 0.44% | 21,204 |
| Q4 2025 | $194.5M | $157.8M | $140.9M | $35.3M | $2.4M | 1.24% | 4.33% | 0.50% | 21,559 |
| Q3 2025 | $200.2M | $164.0M | $146.5M | $34.7M | $1.7M | 1.16% | 4.13% | 0.46% | 21,962 |
| Q2 2025 | $202.7M | $167.5M | $146.5M | $34.0M | $1.0M | 0.99% | 3.97% | 0.32% | 21,995 |
| Q1 2025 | $206.7M | $172.2M | $144.1M | $33.3M | $352K | 0.68% | 3.72% | 0.27% | 21,869 |
| Q4 2024 | $200.8M | $166.9M | $143.9M | $32.9M | $1.9M | 0.97% | 3.65% | 0.31% | 22,029 |
| Q3 2024 | $199.4M | $166.2M | $145.1M | $32.5M | $1.5M | 1.02% | 3.67% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.58% | 0.74% | 90th | |
Return on equity Annualized net income ÷ equity or net worth | 8.5% | 6.5% | 70th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.28% | 3.67% |
Peer lists, growth filters, CSV export, CRM push.
| 0.45% |
| 22,132 |
| Q2 2024 | $200.7M | $167.8M | $143.5M | $32.0M | $1.0M | 1.02% | 3.65% | 0.61% | 22,064 |
Loan mix (Q2 2026): real estate $44.3M · commercial $0 · consumer $71.7M · securities $24.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 71.7% | 77.5% | 31st |
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.
5 branches in 3 counties across 2 states (-1 vs 2025). Biggest market: Muskegon, MI, ranked 11th with 2.4% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Muskegon, MI | 3 | $96.5M* | 2.38% | 11th |
| Newton, MO | 1 | $32.2M* | 1.86% | 9th |
| Barry, MO | 1 | $32.2M* | 2.10% | 15th |
Michigan: 202nd with 0.02% · Missouri: 266th with 0.02% · Muskegon-Norton Shores metro: 11th, 2.38% · Joplin metro: 23rd, 0.63% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 6 · 2023 6 · 2024 6 · 2025 6 · 2026 5