Community Focus
Brownstown, MI · Charter 14098 · Peer group: credit unions under $1B in assets in the Detroit-Warren-Dearborn, MI area (n=38)
NCUA · 4 branches
Q2 2026
$68.0MAssets
$34.4MLoans
$59.9MShares
$9.6MNet Worth
Executive Summary
- Strongest standing: tier 1 capital ratio outperforms 61% of credit unions under $1B in assets in the Detroit-Warren-Dearborn, MI area (rank 15 of 38).
- Widest gap: return on equity trails 95% of credit unions under $1B in assets in the Detroit-Warren-Dearborn, MI area (rank 36 of 38).
- Overall: at or above the peer median on 2 of 7 directional measures.
Return on Assets
-0.05%
Rank 36 of 38
Net Interest Margin
3.57%
Rank 24 of 38
Efficiency Ratio
95.28%
Rank 36 of 38
Equity / Assets
14.09%
Rank 15 of 38
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | -0.05% | 0.49% | 0.78% | 1.16% | Beats 5% | 36 / 38 | |
| Return on Equity | -0.33% | 3.91% | 6.52% | 8.43% | Beats 5% | 36 / 38 | |
| Net Interest Margin | 3.57% | 3.41% | 3.65% | 4.18% | Beats 37% | 24 / 38 | |
| Efficiency Ratio | 95.28% | 72.88% | 78.35% | 82.40% | Beats 8% | 36 / 38 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.52% | 0.36% | 0.84% | 1.47% | Beats 21% | 31 / 38 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 14.09% | 11.22% | 12.45% | 15.29% | Beats 61% | 15 / 38 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 14.09% | 11.22% | 12.45% | 15.29% | Beats 61% | 15 / 38 | |
| Liquidity & Funding |
| Loans / Deposits | 57.33% | 38.40% | 54.78% | 75.62% | 53rd pctl | 18 / 38 | |
| Loans / Assets | 50.51% | 32.99% | 45.72% | 63.66% | 55th pctl | 17 / 38 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |