Dowagiac Area
Dowagiac, MI · Charter 21070 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
$26.0MAssets
$12.2MLoans
$23.1MShares
$2.9MNet Worth
Executive Summary
- Strongest standing: return on equity outperforms 95% of credit unions under $1B in assets (rank 81 of 1681).
- Widest gap: equity / assets trails 67% of credit unions under $1B in assets (rank 1120 of 1683).
- Overall: at or above the peer median on 5 of 7 directional measures.
Return on Assets
1.49%
Rank 250 of 1,683
Net Interest Margin
4.17%
Rank 540 of 1,683
Efficiency Ratio
62.66%
Rank 236 of 1,682
Equity / Assets
11.14%
Rank 1,120 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.49% | 0.35% | 0.74% | 1.18% | Beats 85% | 250 / 1,683 | |
| Return on Equity | 13.38% | 2.67% | 5.89% | 8.74% | Beats 95% | 81 / 1,681 | |
| Net Interest Margin | 4.17% | 3.31% | 3.82% | 4.32% | Beats 68% | 540 / 1,683 | |
| Efficiency Ratio | 62.66% | 68.91% | 78.20% | 86.93% | Beats 86% | 236 / 1,682 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.48% | 0.26% | 0.65% | 1.29% | Beats 61% | 664 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 11.14% | 10.44% | 12.89% | 16.53% | Beats 33% | 1,120 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 11.14% | 10.44% | 12.89% | 16.53% | Beats 33% | 1,120 / 1,683 | |
| Liquidity & Funding |
| Loans / Deposits | 52.78% | 52.61% | 69.38% | 83.50% | 25th pctl | 1,260 / 1,683 | |
| Loans / Assets | 46.84% | 44.71% | 59.18% | 70.72% | 28th pctl | 1,204 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |