| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -3.4% | +3.9% | -7.3 pts |
| Share growth (YoY) | -4.7% | +3.3% | -8.0 pts |
| Loan growth (YoY) | +11.6% | +2.9% | +8.7 pts |
| ROA | 0.37% | 0.69% | -0.3 pts |
| ROE | 4.0% | 5.9% | -1.9 pts |
ROA ranks in the 28th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $132.9M | $120.5M | $50.9M | $12.2M | $124K | 0.37% | 3.82% | 0.10% | 11,117 |
| Q4 2025 | $128.2M | $116.0M | $49.8M | $12.1M | $36K | 0.03% | 3.68% | 0.15% | 11,134 |
| Q3 2025 | $130.1M | $117.8M | $48.5M | $12.1M | $-48K | -0.05% | 3.54% | 0.21% | 11,218 |
| Q2 2025 | $136.3M | $125.1M | $46.1M | $12.0M | $-121K | -0.18% | 3.29% | 0.35% | 10,113 |
| Q1 2025 | $137.6M | $126.4M | $45.6M | $12.1M | $-9K | -0.03% | 3.18% | 0.29% | 10,230 |
| Q4 2024 | $133.8M | $123.0M | $46.8M | $12.2M | $375K | 0.28% | 3.18% | 0.35% | 11,343 |
| Q3 2024 | $133.7M | $121.3M | $47.0M | $12.6M | $306K | 0.30% | 3.16% | 0.43% | 11,433 |
| Q2 2024 | $135.7M | $124.2M | $47.5M | $12.5M | $226K | 0.33% | 3.08% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.37% | 0.69% | 28th | |
Return on equity Annualized net income ÷ equity or net worth | 4.0% | 5.9% | 33rd | |
Net interest margin Interest income − interest expense, ÷ assets | 3.82% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.22% |
| 11,461 |
Loan mix (Q1 2026): real estate $23.0M · commercial $94K · consumer $22.7M · securities $59.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 94.0% | 78.7% | 92nd |
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 2 counties across 1 state (+0 vs 2024). Biggest market: Bay, MI, ranked 11th with 3.2% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Bay, MI | 2 | $83.4M* | 3.22% | 11th |
| Arenac, MI | 1 | $41.7M* | 10.67% | 4th |
Michigan: 179th with 0.04% · Bay City metro: 11th, 3.22% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 3 · 2023 3 · 2024 3 · 2025 3