| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.0% | +4.1% | +0.9 pts |
| Share growth (YoY) | +2.4% | +3.5% | -1.1 pts |
| Loan growth (YoY) | +19.4% | +2.9% | +16.6 pts |
| ROA | 1.66% | 0.74% | +0.9 pts |
| ROE | 12.6% | 6.5% | +6.1 pts |
ROA ranks in the 92nd percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $210.3M | $181.5M | $138.3M | $27.7M | $1.7M | 1.66% | 4.63% | 1.10% | 14,446 |
| Q1 2026 | $211.8M | $183.5M | $128.2M | $26.8M | $820K | 1.55% | 4.56% | 0.54% | 14,213 |
| Q4 2025 | $206.5M | $179.4M | $124.5M | $25.9M | $2.8M | 1.34% | 4.57% | 0.66% | 14,209 |
| Q3 2025 | $202.4M | $176.2M | $119.5M | $24.9M | $1.7M | 1.12% | 4.60% | 0.46% | 15,409 |
| Q2 2025 | $200.3M | $177.2M | $115.8M | $23.9M | $726K | 0.72% | 4.56% | 0.38% | 15,278 |
| Q1 2025 | $200.3M | $175.0M | $109.6M | $24.0M | $795K | 1.59% | 4.34% | 0.40% | 15,221 |
| Q4 2024 | $196.9M | $172.2M | $109.9M | $23.2M | $3.4M | 1.72% | 4.26% | 0.57% | 15,259 |
| Q3 2024 | $198.4M | $173.8M | $110.7M | $22.4M | $2.6M | 1.75% | 4.12% |
| Ratio | U.P. State Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.66% | 0.74% | 92nd | |
Return on equity Annualized net income ÷ equity or net worth | 12.6% | 6.5% | 93rd | |
Net interest margin Interest income − interest expense, ÷ assets | 4.63% | 3.67% |
Peer lists, growth filters, CSV export, CRM push.
| 0.53% |
| 15,365 |
| Q2 2024 | $197.0M | $173.6M | $111.4M | $21.4M | $1.6M | 1.63% | 4.05% | 0.50% | 15,353 |
Loan mix (Q2 2026): real estate $45.9M · commercial $720K · consumer $79.3M · securities $49.9M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 68.6% | 77.5% | 23rd |
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 | U.P. State 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 | U.P. State 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 | U.P. State 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 | U.P. State 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 | U.P. State 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.
6 branches in 4 counties across 1 state (+0 vs 2025). Biggest market: Mackinac, MI, ranked 2nd with 11.9% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Mackinac, MI | 2 | $60.5M* | 11.91% | 2nd |
| Chippewa, MI | 2 | $60.5M* | 6.33% | 5th |
| Dickinson, MI | 1 | $30.3M* | 3.37% | 9th |
| 1 more county with Pro → | ||||
Michigan: 154th with 0.05% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 5 · 2023 4 · 2024 6 · 2025 6 · 2026 6