Health Advantage
Saginaw, MI · Charter 20007 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 3 branches
Q2 2026
$179.3MAssets
$113.2MLoans
$155.5MShares
$24.0MNet Worth
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 70% of credit unions under $1B in assets (rank 499 of 1682).
- Widest gap: net interest margin trails 62% of credit unions under $1B in assets (rank 1038 of 1683).
- Overall: at or above the peer median on 6 of 7 directional measures.
Return on Assets
0.91%
Rank 671 of 1,683
Net Interest Margin
3.60%
Rank 1,038 of 1,683
Efficiency Ratio
75.24%
Rank 688 of 1,682
Equity / Assets
13.41%
Rank 759 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.91% | 0.35% | 0.74% | 1.18% | Beats 60% | 671 / 1,683 | |
| Return on Equity | 6.78% | 2.67% | 5.89% | 8.74% | Beats 59% | 697 / 1,681 | |
| Net Interest Margin | 3.60% | 3.31% | 3.82% | 4.32% | Beats 38% | 1,038 / 1,683 | |
| Efficiency Ratio | 75.24% | 68.91% | 78.20% | 86.93% | Beats 59% | 688 / 1,682 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.33% | 0.26% | 0.65% | 1.29% | Beats 70% | 499 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 13.41% | 10.44% | 12.89% | 16.53% | Beats 55% | 759 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 13.41% | 10.44% | 12.89% | 16.53% | Beats 55% | 759 / 1,683 | |
| Liquidity & Funding |
| Loans / Deposits | 72.75% | 52.61% | 69.38% | 83.50% | 56th pctl | 734 / 1,683 | |
| Loans / Assets | 63.12% | 44.71% | 59.18% | 70.72% | 59th pctl | 697 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |