Parda
Auburn Hills, MI · Charter 21686 · Peer group: credit unions under $1B in assets in MI (n=56)
NCUA · 8 branches
Q2 2026
$217.4MAssets
$115.9MLoans
$189.9MShares
$29.7MNet Worth
Executive Summary
- Strongest standing: tier 1 capital ratio outperforms 70% of credit unions under $1B in assets in MI (rank 17 of 56).
- Widest gap: efficiency ratio trails 93% of credit unions under $1B in assets in MI (rank 53 of 56).
- Overall: at or above the peer median on 4 of 7 directional measures.
Return on Assets
0.27%
Rank 51 of 56
Net Interest Margin
4.11%
Rank 21 of 56
Efficiency Ratio
89.81%
Rank 53 of 56
Equity / Assets
13.68%
Rank 17 of 56
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.27% | 0.74% | 1.15% | 1.47% | Beats 9% | 51 / 56 | |
| Return on Equity | 1.96% | 6.40% | 9.29% | 11.51% | Beats 9% | 51 / 56 | |
| Net Interest Margin | 4.11% | 3.40% | 3.92% | 4.36% | Beats 63% | 21 / 56 | |
| Efficiency Ratio | 89.81% | 65.99% | 72.16% | 78.25% | Beats 7% | 53 / 56 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.75% | 0.49% | 0.84% | 1.28% | Beats 55% | 26 / 56 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 13.68% | 10.20% | 12.14% | 14.32% | Beats 70% | 17 / 56 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 13.68% | 10.20% | 12.14% | 14.32% | Beats 70% | 17 / 56 | |
| Liquidity & Funding |
| Loans / Deposits | 61.03% | 52.28% | 65.96% | 76.17% | 36th pctl | 36 / 56 | |
| Loans / Assets | 53.32% | 45.34% | 56.55% | 67.04% | 39th pctl | 34 / 56 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |