| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.2% | +3.9% | +2.3 pts |
| Share growth (YoY) | +4.5% | +3.3% | +1.2 pts |
| Loan growth (YoY) | +4.4% | +2.9% | +1.5 pts |
| ROA | 0.96% | 0.69% | +0.3 pts |
| ROE | 8.3% | 5.9% | +2.4 pts |
ROA ranks in the 68th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $130.5M | $114.1M | $52.5M | $15.0M | $312K | 0.96% | 4.32% | 2.44% | 12,057 |
| Q4 2025 | $127.7M | $111.8M | $52.9M | $14.7M | $1.6M | 1.22% | 4.08% | 2.64% | 12,086 |
| Q3 2025 | $126.4M | $110.6M | $53.1M | $14.3M | $1.1M | 1.17% | 3.94% | 2.41% | 12,067 |
| Q2 2025 | $125.3M | $110.2M | $52.0M | $13.8M | $590K | 0.94% | 3.83% | 2.15% | 12,034 |
| Q1 2025 | $122.9M | $109.2M | $50.3M | $13.5M | $288K | 0.94% | 3.74% | 2.34% | 12,181 |
| Q4 2024 | $123.1M | $109.9M | $50.1M | $13.2M | $1.1M | 0.91% | 3.62% | 2.17% | 12,200 |
| Q3 2024 | $122.1M | $108.0M | $49.7M | $13.0M | $901K | 0.98% | 3.57% | 2.01% | 12,205 |
| Q2 2024 | $116.0M | $103.3M | $49.4M | $12.7M | $608K | 1.05% | 3.64% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.96% | 0.69% | 68th | |
Return on equity Annualized net income ÷ equity or net worth | 8.3% | 5.9% | 70th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.32% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 1.69% |
| 12,145 |
Loan mix (Q1 2026): real estate $8.2M · commercial $0 · consumer $35.9M · securities $58.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 78.3% | 78.7% | 49th |
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.
4 branches in 2 counties across 1 state (+0 vs 2024). Biggest market: Cheboygan, MI, ranked 3rd with 13.3% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Cheboygan, MI | 3 | $82.7M* | 13.32% | 3rd |
| Kent, MI | 1 | $27.6M* | 0.09% | 48th |
Michigan: 193rd with 0.03% · Grand Rapids-Wyoming-Kentwood metro: 62nd, 0.07% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 4 · 2023 4 · 2024 4 · 2025 4