| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.9% | +1.3% | +1.6 pts |
| Share growth (YoY) | +1.0% | +0.9% | +0.1 pts |
| Loan growth (YoY) | +12.8% | -2.6% | +15.4 pts |
| ROA | 0.15% | 0.65% | -0.5 pts |
| ROE | 1.2% | 4.4% | -3.2 pts |
ROA ranks in the 25th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $35.8M | $30.6M | $9.5M | $4.4M | $27K | 0.15% | 3.24% | 0.09% | 2,586 |
| Q1 2026 | $35.8M | $30.5M | $9.2M | $4.4M | $45K | 0.50% | 3.13% | 0.18% | 2,575 |
| Q4 2025 | $34.8M | $30.2M | $8.9M | $4.3M | $309K | 0.89% | 2.92% | 0.01% | 2,566 |
| Q3 2025 | $34.9M | $30.0M | $8.7M | $4.2M | $208K | 0.79% | 2.83% | 0.01% | 2,565 |
| Q2 2025 | $34.8M | $30.3M | $8.4M | $4.1M | $93K | 0.54% | 2.70% | 0.03% | 2,563 |
| Q1 2025 | $35.0M | $29.9M | $7.5M | $4.1M | $55K | 0.63% | 2.55% | 1.07% | 2,554 |
| Q4 2024 | $33.2M | $28.9M | $7.2M | $4.0M | $-81K | -0.25% | 2.01% | 0.01% | 2,621 |
| Q3 2024 | $35.1M | $30.7M | $7.1M | $4.0M | $-99K | -0.38% | 1.72% | 0.03% |
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.15% | 0.65% | 25th | |
Return on equity Annualized net income ÷ equity or net worth | 1.2% | 4.4% | 27th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.24% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 2,608 |
| Q2 2024 | $35.0M | $30.8M | $7.0M | $4.0M | $-121K | -0.69% | 1.49% | 0.01% | 2,601 |
Loan mix (Q2 2026): real estate $1.4M · commercial $0 · consumer $6.8M · securities $23.9M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 75.6% | 80.6% | 37th |
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.
3 branches in 3 counties across 3 states (+0 vs 2025). Biggest market: Genesee, MI, ranked 21st with 0.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Genesee, MI | 1 | $10.2M* | 0.10% | 21st |
| Salt Lake, UT | 1 | $10.2M* | 0.00% | 112th |
| Steuben, NY | 1 | $10.2M* | 0.35% | 11th |
Utah: 138th with 0.00% · New York: 392nd with 0.00% · Michigan: 283rd with 0.00% · Salt Lake City-Murray metro: 112th, 0.00% · Flint metro: 21st, 0.10% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 3 · 2024 3 · 2025 3 · 2026 3