| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.3% | +1.3% | +5.1 pts |
| Share growth (YoY) | +5.8% | +0.9% | +4.9 pts |
| Loan growth (YoY) | +4.8% | -2.6% | +7.4 pts |
| ROA | 0.17% | 0.65% | -0.5 pts |
| ROE | 1.4% | 4.4% | -3.0 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 | $69.6M | $62.3M | $27.1M | $8.2M | $59K | 0.17% | 3.02% | 0.60% | 4,582 |
| Q1 2026 | $67.6M | $60.8M | $26.1M | $8.2M | $37K | 0.22% | 3.04% | 1.19% | 4,595 |
| Q4 2025 | $67.5M | $60.5M | $26.5M | $8.2M | $208K | 0.31% | 2.90% | 0.98% | 4,634 |
| Q3 2025 | $66.3M | $59.7M | $25.6M | $8.0M | $23K | 0.05% | 2.83% | 1.25% | 4,636 |
| Q2 2025 | $65.4M | $58.8M | $25.8M | $8.1M | $55K | 0.17% | 2.89% | 1.32% | 4,668 |
| Q1 2025 | $65.3M | $58.8M | $24.8M | $8.1M | $59K | 0.36% | 3.01% | 1.07% | 4,701 |
| Q4 2024 | $70.2M | $64.7M | $25.3M | $8.1M | $81K | 0.12% | 2.97% | 1.34% | 4,911 |
| Q3 2024 | $69.5M | $63.6M | $25.9M | $8.1M | $91K | 0.17% | 2.93% | 0.79% |
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.17% | 0.65% | 26th | |
Return on equity Annualized net income ÷ equity or net worth | 1.4% | 4.4% | 28th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.02% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 4,918 |
| Q2 2024 | $68.7M | $63.8M | $25.9M | $8.0M | $23K | 0.07% | 2.97% | 1.47% | 5,321 |
Loan mix (Q2 2026): real estate $6.7M · commercial $123K · consumer $16.4M · securities $33.9M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 92.7% | 80.6% | 77th |
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 2 counties across 1 state (+0 vs 2025). Biggest market: Mackinac, MI, ranked 6th with 6.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Mackinac, MI | 1 | $31.1M* | 6.13% | 6th |
| Luce, MI | 1 | $31.1M* | 19.29% | 3rd |
Michigan: 226th with 0.02% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 3 · 2023 3 · 2024 3 · 2025 2 · 2026 2