| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.1% | +1.3% | -2.4 pts |
| Share growth (YoY) | -3.1% | +0.9% | -4.0 pts |
| Loan growth (YoY) | +3.3% | -2.6% | +6.0 pts |
| ROA | 0.96% | 0.65% | +0.3 pts |
| ROE | 6.9% | 4.4% | +2.5 pts |
ROA ranks in the 66th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $51.3M | $43.7M | $31.2M | $7.1M | $245K | 0.96% | 3.53% | 0.05% | 3,558 |
| Q1 2026 | $51.3M | $44.0M | $29.7M | $7.0M | $128K | 1.00% | 3.48% | 0.05% | 3,597 |
| Q4 2025 | $50.6M | $43.3M | $30.2M | $6.9M | $567K | 1.12% | 3.46% | 0.21% | 3,580 |
| Q3 2025 | $51.3M | $44.2M | $30.0M | $6.8M | $365K | 0.95% | 3.35% | 0.19% | 3,590 |
| Q2 2025 | $51.8M | $45.1M | $30.2M | $6.6M | $227K | 0.88% | 3.22% | 0.08% | 3,614 |
| Q1 2025 | $51.4M | $44.5M | $30.4M | $6.5M | $91K | 0.71% | 3.16% | 0.09% | 3,652 |
| Q4 2024 | $50.7M | $44.0M | $31.1M | $6.4M | $412K | 0.81% | 3.11% | 0.31% | 3,678 |
| Q3 2024 | $49.5M | $43.0M | $31.1M | $6.4M | $290K | 0.78% | 3.16% | 0.37% |
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Tri-Cities Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.96% | 0.65% | 66th | |
Return on equity Annualized net income ÷ equity or net worth | 6.9% | 4.4% | 69th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.53% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 3,712 |
| Q2 2024 | $48.6M | $42.1M | $31.1M | $6.3M | $215K | 0.88% | 3.19% | 0.15% | 3,751 |
Loan mix (Q2 2026): real estate $19.1M · commercial $66K · consumer $10.6M · securities $11.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 77.0% | 80.6% | 41st |
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 | Tri-Cities 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 | Tri-Cities 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 | Tri-Cities 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 | Tri-Cities 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 | Tri-Cities 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.
4 branches in 3 counties across 1 state (+0 vs 2025). Biggest market: Ottawa, MI, ranked 28th with 0.3% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Ottawa, MI | 2 | $21.8M* | 0.25% | 28th |
| Muskegon, MI | 1 | $10.9M* | 0.27% | 23rd |
| Kent, MI | 1 | $10.9M* | 0.03% | 62nd |
Michigan: 236th with 0.01% · Grand Rapids-Wyoming-Kentwood metro: 65th, 0.07% · Muskegon-Norton Shores metro: 23rd, 0.27% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 3 · 2023 3 · 2024 4 · 2025 4 · 2026 4