| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.3% | +4.1% | +2.2 pts |
| Share growth (YoY) | +6.7% | +3.5% | +3.2 pts |
| Loan growth (YoY) | +17.6% | +2.9% | +14.7 pts |
| ROA | 0.11% | 0.74% | -0.6 pts |
| ROE | 1.2% | 6.5% | -5.3 pts |
ROA ranks in the 8th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $172.9M | $155.6M | $116.4M | $16.7M | $98K | 0.11% | 3.66% | 0.71% | 9,824 |
| Q1 2026 | $169.1M | $151.9M | $110.6M | $16.3M | $-228K | -0.54% | 3.67% | 0.41% | 9,724 |
| Q4 2025 | $165.6M | $148.0M | $107.9M | $16.6M | $1.2M | 0.75% | 3.58% | 1.55% | 9,700 |
| Q3 2025 | $163.0M | $145.2M | $105.0M | $16.5M | $1.2M | 0.95% | 3.60% | 0.96% | 9,681 |
| Q2 2025 | $162.6M | $145.8M | $99.0M | $16.0M | $716K | 0.88% | 3.50% | 0.80% | 9,598 |
| Q1 2025 | $160.9M | $144.6M | $94.7M | $15.6M | $286K | 0.71% | 3.37% | 0.65% | 9,562 |
| Q4 2024 | $158.2M | $142.3M | $94.3M | $15.3M | $982K | 0.62% | 3.42% | 0.35% | 9,572 |
| Q3 2024 | $151.3M | $136.3M | $91.2M | $15.0M | $680K | 0.60% | 3.48% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.11% | 0.74% | 8th | |
Return on equity Annualized net income ÷ equity or net worth | 1.2% | 6.5% | 8th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.66% | 3.67% |
Peer lists, growth filters, CSV export, CRM push.
| 0.43% |
| 9,514 |
| Q2 2024 | $148.3M | $134.1M | $91.0M | $14.8M | $431K | 0.58% | 3.49% | 0.41% | 9,503 |
Loan mix (Q2 2026): real estate $54.0M · commercial $11.2M · consumer $41.0M · securities $38.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 82.2% | 77.5% | 65th |
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.
5 branches in 3 counties across 1 state (+0 vs 2025). Biggest market: Alpena, MI, ranked 5th with 9.9% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Alpena, MI | 3 | $93.4M* | 9.90% | 5th |
| Ogemaw, MI | 1 | $31.1M* | 5.27% | 7th |
| Iosco, MI | 1 | $31.1M* | 4.33% | 6th |
Michigan: 164th with 0.04% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 4 · 2023 4 · 2024 4 · 2025 5 · 2026 5