| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -5.1% | +1.3% | -6.4 pts |
| Share growth (YoY) | -6.5% | +0.9% | -7.4 pts |
| Loan growth (YoY) | +0.2% | -2.6% | +2.8 pts |
| ROA | 0.15% | 0.65% | -0.5 pts |
| ROE | 0.9% | 4.4% | -3.5 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 | $22.3M | $18.8M | $7.3M | $3.7M | $16K | 0.15% | 3.15% | 1.47% | 2,235 |
| Q1 2026 | $22.3M | $18.8M | $7.5M | $3.6M | $-14K | -0.25% | 3.05% | 0.27% | 2,210 |
| Q4 2025 | $22.4M | $19.0M | $7.4M | $3.7M | $-108K | -0.48% | 3.06% | 2.57% | 2,192 |
| Q3 2025 | $22.4M | $19.0M | $7.0M | $3.7M | $-117K | -0.69% | 3.06% | 2.45% | 2,174 |
| Q2 2025 | $23.4M | $20.1M | $7.3M | $3.7M | $-80K | -0.69% | 2.89% | 2.77% | 2,163 |
| Q1 2025 | $24.1M | $21.0M | $7.6M | $3.7M | $-91K | -1.51% | 2.75% | 2.77% | 2,151 |
| Q4 2024 | $23.7M | $20.5M | $7.8M | $3.8M | $-229K | -0.97% | 2.88% | 2.65% | 2,131 |
| Q3 2024 | $23.2M | $20.0M | $8.0M | $3.8M | $-189K | -1.08% | 2.92% | 2.51% |
| 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 | 0.9% | 4.4% | 24th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.15% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 2,114 |
| Q2 2024 | $23.4M | $20.4M | $8.1M | $3.9M | $-124K | -1.06% | 2.87% | 2.03% | 2,167 |
Loan mix (Q2 2026): real estate $3.2M · commercial $0 · consumer $3.9M · securities $12.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 90.3% | 80.6% | 72nd |
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 (+1 vs 2025). Biggest market: Oakland, MI, ranked 68th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Oakland, MI | 1 | $9.4M* | 0.01% | 68th |
| Macomb, MI | 1 | $9.4M* | 0.03% | 44th |
Michigan: 270th with 0.00% · Detroit-Warren-Dearborn metro: 96th, 0.01% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 2