| Metric | Soo Co-Op Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.6% | +4.1% | +2.5 pts |
| Share growth (YoY) | +5.4% | +3.5% | +1.9 pts |
| Loan growth (YoY) | +2.9% | +2.9% | +0.0 pts |
| ROA | 1.41% | 0.74% | +0.7 pts |
| ROE | 10.3% | 6.5% | +3.8 pts |
ROA ranks in the 86th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $324.4M | $281.4M | $182.4M | $44.4M | $2.3M | 1.41% | 3.74% | 0.32% | 24,425 |
| Q1 2026 | $324.8M | $283.3M | $181.1M | $43.2M | $1.2M | 1.43% | 3.67% | 0.27% | 24,668 |
| Q4 2025 | $313.2M | $272.8M | $184.4M | $42.1M | $3.8M | 1.23% | 3.60% | 0.36% | 24,582 |
| Q3 2025 | $308.5M | $269.2M | $182.2M | $41.2M | $3.0M | 1.29% | 3.60% | 0.42% | 24,466 |
| Q2 2025 | $304.2M | $266.9M | $177.2M | $40.1M | $1.9M | 1.24% | 3.56% | 0.22% | 24,304 |
| Q1 2025 | $303.9M | $268.0M | $169.4M | $39.1M | $844K | 1.11% | 3.45% | 0.26% | 24,120 |
| Q4 2024 | $290.6M | $257.1M | $169.9M | $38.2M | $3.4M | 1.17% | 3.37% | 0.24% | 23,583 |
| Q3 2024 | $281.3M | $247.3M | $171.1M | $37.2M | $2.4M | 1.13% | 3.42% |
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Soo Co-Op Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.41% | 0.74% | 86th | |
Return on equity Annualized net income ÷ equity or net worth | 10.3% | 6.5% | 84th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.74% | 3.67% |
Peer lists, growth filters, CSV export, CRM push.
| 0.23% |
| 23,583 |
| Q2 2024 | $275.9M | $244.4M | $169.1M | $36.2M | $1.4M | 1.03% | 3.32% | 0.56% | 24,321 |
Loan mix (Q2 2026): real estate $42.7M · commercial $2.4M · consumer $112.2M · securities $61.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 69.9% | 77.5% | 26th |
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 | Soo Co-Op 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 | Soo Co-Op 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 | Soo Co-Op 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 | Soo Co-Op 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 | Soo Co-Op 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: Chippewa, MI, ranked 2nd with 24.5% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Chippewa, MI | 5 | $234.5M* | 24.54% | 2nd |
| Mackinac, MI | 1 | $46.9M* | 9.23% | 3rd |
Michigan: 129th with 0.07% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 7 · 2023 7 · 2024 7 · 2025 6 · 2026 6