Rock Community
Rock, MI · Charter 21020 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
$9.1MAssets
$3.0MLoans
$8.3MShares
$790KNet Worth
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 90% of credit unions under $1B in assets (rank 166 of 1682).
- Widest gap: net interest margin trails 94% of credit unions under $1B in assets (rank 1583 of 1683).
- Overall: at or above the peer median on 2 of 7 directional measures.
Return on Assets
0.53%
Rank 1,095 of 1,683
Net Interest Margin
2.66%
Rank 1,583 of 1,683
Efficiency Ratio
80.33%
Rank 952 of 1,682
Equity / Assets
8.70%
Rank 1,542 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.53% | 0.35% | 0.74% | 1.18% | Beats 35% | 1,095 / 1,683 | |
| Return on Equity | 6.08% | 2.67% | 5.89% | 8.74% | Beats 52% | 806 / 1,681 | |
| Net Interest Margin | 2.66% | 3.31% | 3.82% | 4.32% | Beats 6% | 1,583 / 1,683 | |
| Efficiency Ratio | 80.33% | 68.91% | 78.20% | 86.93% | Beats 43% | 952 / 1,682 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.03% | 0.26% | 0.65% | 1.29% | Beats 90% | 166 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 8.70% | 10.44% | 12.89% | 16.53% | Beats 8% | 1,542 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 8.70% | 10.44% | 12.89% | 16.53% | Beats 8% | 1,542 / 1,683 | |
| Liquidity & Funding |
| Loans / Deposits | 35.96% | 52.61% | 69.38% | 83.50% | 8th pctl | 1,550 / 1,683 | |
| Loans / Assets | 32.80% | 44.71% | 59.18% | 70.72% | 10th pctl | 1,508 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |