| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.5% | +1.3% | -2.8 pts |
| Share growth (YoY) | -1.0% | +0.9% | -2.0 pts |
| Loan growth (YoY) | +6.0% | -2.6% | +8.7 pts |
| ROA | 0.16% | 0.65% | -0.5 pts |
| ROE | 1.1% | 4.4% | -3.3 pts |
ROA ranks in the 26th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $84.6M | $72.0M | $40.2M | $12.0M | $68K | 0.16% | 3.68% | 0.56% | 6,794 |
| Q1 2026 | $84.9M | $72.5M | $39.9M | $12.1M | $55K | 0.26% | 3.62% | 0.61% | 6,814 |
| Q4 2025 | $84.8M | $72.9M | $40.3M | $12.1M | $181K | 0.21% | 3.78% | 0.40% | 6,802 |
| Q3 2025 | $84.7M | $72.4M | $39.1M | $12.1M | $232K | 0.37% | 3.77% | 0.51% | 6,777 |
| Q2 2025 | $85.9M | $72.8M | $37.9M | $12.0M | $122K | 0.28% | 3.71% | 0.54% | 6,730 |
| Q1 2025 | $86.3M | $74.2M | $37.9M | $12.1M | $38K | 0.17% | 3.67% | 0.74% | 7,115 |
| Q4 2024 | $83.6M | $71.4M | $37.9M | $12.1M | $599K | 0.72% | 3.94% | 0.88% | 7,114 |
| Q3 2024 | $83.1M | $71.1M | $39.8M | $12.0M | $563K | 0.90% | 4.00% | 0.34% |
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.16% | 0.65% | 26th | |
Return on equity Annualized net income ÷ equity or net worth | 1.1% | 4.4% | 26th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.68% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 7,148 |
| Q2 2024 | $84.5M | $72.4M | $42.0M | $11.9M | $399K | 0.94% | 3.92% | 0.40% | 7,208 |
Loan mix (Q2 2026): real estate $3.2M · commercial $0 · consumer $34.3M · securities $31.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 95.5% | 80.6% | 82nd |
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.
2 branches in 1 county across 1 state (+0 vs 2025). Biggest market: Jackson, MI, ranked 13th with 1.9% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Jackson, MI | 2 | $72.0M* | 1.89% | 13th |
Michigan: 217th with 0.02% · Jackson metro: 13th, 1.89% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 2 · 2026 2