| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +9.7% | +1.3% | +8.4 pts |
| Share growth (YoY) | +9.1% | +0.9% | +8.2 pts |
| Loan growth (YoY) | +4.1% | -2.6% | +6.8 pts |
| ROA | 1.14% | 0.65% | +0.5 pts |
| ROE | 11.6% | 4.4% | +7.2 pts |
ROA ranks in the 73rd percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $79.2M | $70.5M | $60.9M | $7.8M | $452K | 1.14% | 4.86% | 0.59% | 8,550 |
| Q1 2026 | $78.4M | $70.3M | $60.0M | $7.5M | $164K | 0.83% | 4.73% | 0.49% | 8,484 |
| Q4 2025 | $74.5M | $66.3M | $59.4M | $7.3M | $958K | 1.29% | 4.98% | 0.74% | 8,421 |
| Q3 2025 | $73.0M | $64.9M | $59.2M | $7.1M | $697K | 1.27% | 4.97% | 0.73% | 8,345 |
| Q2 2025 | $72.2M | $64.6M | $58.5M | $6.8M | $353K | 0.98% | 4.90% | 0.57% | 8,322 |
| Q1 2025 | $71.9M | $64.6M | $57.3M | $6.5M | $102K | 0.57% | 4.81% | 0.92% | 8,263 |
| Q4 2024 | $72.4M | $65.0M | $56.9M | $6.4M | $893K | 1.23% | 4.67% | 0.96% | 8,210 |
| Q3 2024 | $70.1M | $62.9M | $56.6M | $6.2M | $627K | 1.19% | 4.68% | 0.90% |
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Thornapple Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.14% | 0.65% | 73rd | |
Return on equity Annualized net income ÷ equity or net worth | 11.6% | 4.4% | 91st | |
Net interest margin Interest income − interest expense, ÷ assets | 4.86% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 8,190 |
| Q2 2024 | $68.0M | $60.8M | $56.2M | $5.9M | $390K | 1.15% | 4.72% | 1.30% | 8,101 |
Loan mix (Q2 2026): real estate $22.7M · commercial $0 · consumer $34.9M · securities $6.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 82.6% | 80.6% | 55th |
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 | Thornapple 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 | Thornapple 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 | Thornapple 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 | Thornapple 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 | Thornapple 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.
3 branches in 1 county across 1 state (+0 vs 2025). Biggest market: Barry, MI, ranked 3rd with 8.3% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Barry, MI | 3 | $70.5M* | 8.29% | 3rd |
Michigan: 220th with 0.02% · Grand Rapids-Wyoming-Kentwood metro: 50th, 0.15% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 3 · 2023 3 · 2024 3 · 2025 3 · 2026 3