St. Michaels Federal Credit Union
Total assets
$980K
▼ -1.1% YoY
Shares & deposits
$858K
▼ -1.3% YoY
Loans
$372K
▼ -16.4% YoY
Members
183
▼ -2.7% YoY
ROA (annualized)
0.93%
peers 0.60%
ROE (annualized)
7.51%
peers 4.10%
Peer comparison 2,508 credit unions with <100M in assets
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.1% | +1.3% | -2.4 pts |
| Share growth (YoY) | -1.3% | +0.7% | -2.0 pts |
| Loan growth (YoY) | -16.4% | -2.4% | -14.0 pts |
| ROA | 0.93% | 0.60% | +0.3 pts |
| ROE | 7.5% | 4.1% | +3.4 pts |
ROA ranks in the 66th percentile of its peer group · Q1 2026
Profile
- Established
- 1956
- Charter
- FCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 1
- Address
- 678 School St, Craig, CO, 81625
- NCUA charter #
- 11340
- RSSD ID
- 567286
- Latest call report
- Q1 2026
Total assets last 8 quarters
Members last 8 quarters
Quarterly financials NCUA 5300 call report
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $980K | $858K | $372K | $122K | $2K | 0.93% | 1.47% | 0.00% | 183 |
| Q4 2025 | $994K | $876K | $402K | $118K | $2K | 0.23% | 1.07% | 0.00% | 187 |
| Q3 2025 | $991K | $862K | $450K | $129K | $13K | 1.77% | 2.66% | 0.00% | 185 |
| Q2 2025 | $940K | $813K | $465K | $127K | $12K | 2.46% | 3.13% | 0.00% | 183 |
| Q1 2025 | $991K | $869K | $445K | $122K | $6K | 2.41% | 2.79% | 0.00% | 188 |
| Q4 2024 | $977K | $861K | $475K | $116K | $3K | 0.32% | 3.54% | 0.75% | 189 |
| Q3 2024 | $955K | $851K | $541K | $104K | $-8K | -1.16% | 2.75% | 0.80% | 189 |
| Q2 2024 | $1.0M | $887K | $584K | $122K | $10K | 1.92% | 2.79% | 3.77% | 189 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $317K · securities $250K
Ratio pack Q1 2026 · peer medians from 2508 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.93% | 0.60% | 66th | |
Return on equity Annualized net income ÷ equity or net worth | 7.5% | 4.1% | 73th | |
Net interest margin Interest income − interest expense, ÷ assets | 1.47% | 3.83% | 2th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 43.2% | 81.5% | 3th | |
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% |
Balance sheet
| 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% |
Capital
| 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% |
Credit quality
| 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% |
Franchise
| 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% |
12 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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