| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.3% | +4.1% | +2.2 pts |
| Share growth (YoY) | +4.8% | +3.5% | +1.3 pts |
| Loan growth (YoY) | -1.0% | +2.9% | -3.9 pts |
| ROA | 1.81% | 0.74% | +1.1 pts |
| ROE | 16.1% | 6.5% | +9.6 pts |
ROA ranks in the 95th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $161.2M | $146.2M | $73.7M | $18.2M | $1.5M | 1.81% | 3.70% | 0.47% | 10,711 |
| Q1 2026 | $159.7M | $145.8M | $74.6M | $17.1M | $376K | 0.94% | 3.55% | 0.71% | 10,762 |
| Q4 2025 | $155.2M | $141.2M | $75.9M | $16.8M | $1.6M | 1.05% | 3.61% | 0.72% | 10,836 |
| Q3 2025 | $152.1M | $138.6M | $76.5M | $16.5M | $1.3M | 1.16% | 3.64% | 0.79% | 10,855 |
| Q2 2025 | $151.7M | $139.5M | $74.5M | $16.0M | $854K | 1.13% | 3.58% | 0.72% | 10,918 |
| Q1 2025 | $149.8M | $138.4M | $71.0M | $15.5M | $327K | 0.87% | 3.49% | 0.97% | 10,926 |
| Q4 2024 | $144.3M | $133.9M | $74.6M | $15.2M | $1.2M | 0.86% | 3.40% | 0.88% | 10,962 |
| Q3 2024 | $143.7M | $132.7M | $74.5M | $14.9M | $942K | 0.87% | 3.36% |
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.81% | 0.74% | 95th | |
Return on equity Annualized net income ÷ equity or net worth | 16.1% | 6.5% | 99th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.70% | 3.67% |
Peer lists, growth filters, CSV export, CRM push.
| 0.94% |
| 11,045 |
| Q2 2024 | $148.5M | $138.7M | $74.5M | $14.6M | $631K | 0.85% | 3.21% | 0.59% | 11,086 |
Loan mix (Q2 2026): real estate $21.3M · commercial $16.1M · consumer $32.0M · securities $63.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 65.7% | 77.5% | 17th |
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.
1 branches in 1 county across 1 state (+0 vs 2025). Biggest market: Wayne, MI, ranked 35th with 0.2% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Wayne, MI | 1 | $146.2M* | 0.17% | 35th |
Michigan: 170th with 0.04% · Detroit-Warren-Dearborn metro: 64th, 0.07% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1