| Metric | The Local Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.9% | +4.1% | -2.3 pts |
| Share growth (YoY) | +0.6% | +3.5% | -2.9 pts |
| Loan growth (YoY) | -3.3% | +2.9% | -6.1 pts |
| ROA | 1.35% | 0.74% | +0.6 pts |
| ROE | 8.4% | 6.5% | +1.9 pts |
ROA ranks in the 83rd percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $106.6M | $89.9M | $42.0M | $17.1M | $720K | 1.35% | 3.83% | 0.26% | 9,432 |
| Q1 2026 | $109.2M | $92.5M | $41.7M | $16.4M | $353K | 1.29% | 3.64% | 0.24% | 9,526 |
| Q4 2025 | $105.4M | $89.3M | $42.1M | $16.4M | $769K | 0.73% | 3.63% | 0.56% | 9,658 |
| Q3 2025 | $103.9M | $87.5M | $42.3M | $16.1M | $447K | 0.57% | 3.64% | 0.39% | 9,689 |
| Q2 2025 | $104.7M | $89.4M | $43.4M | $16.0M | $262K | 0.50% | 3.55% | 0.94% | 9,793 |
| Q1 2025 | $106.8M | $91.4M | $43.7M | $15.8M | $73K | 0.27% | 3.37% | 0.65% | 9,883 |
| Q4 2024 | $102.9M | $88.2M | $45.6M | $15.7M | $301K | 0.29% | 3.22% | 0.96% | 10,010 |
| Q3 2024 | $103.2M | $88.2M | $46.1M | $15.7M | $236K | 0.30% | 3.16% |
| Ratio | The Local Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.35% | 0.74% | 83rd | |
Return on equity Annualized net income ÷ equity or net worth | 8.4% | 6.5% | 69th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.83% | 3.67% |
Peer lists, growth filters, CSV export, CRM push.
| 0.85% |
| 10,208 |
| Q2 2024 | $106.5M | $92.1M | $47.0M | $15.6M | $188K | 0.35% | 3.01% | 0.79% | 10,418 |
Loan mix (Q2 2026): real estate $10.9M · commercial $90K · consumer $26.7M · securities $45.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 74.7% | 77.5% | 40th |
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 | The Local Credit Union | 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 | The Local Credit Union | 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 | The Local Credit Union | 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 | The Local Credit Union | 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 | The Local Credit Union | 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.
1 branches in 1 county across 1 state (+0 vs 2025). Biggest market: Macomb, MI, ranked 29th with 0.3% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Macomb, MI | 1 | $89.9M* | 0.33% | 29th |
Michigan: 205th with 0.02% · Detroit-Warren-Dearborn metro: 73rd, 0.04% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1