Construction
Bingham Farms, MI · Charter 21798 · Peer group: credit unions under $1B in assets in the Detroit-Warren-Dearborn, MI area (n=38)
NCUA · 1 branch
Q2 2026
$26.4MAssets
$17.5MLoans
$22.7MShares
$3.6MNet Worth
Executive Summary
- Strongest standing: tier 1 capital ratio outperforms 58% of credit unions under $1B in assets in the Detroit-Warren-Dearborn, MI area (rank 16 of 38).
- Widest gap: nonperforming loans / loans trails 97% of credit unions under $1B in assets in the Detroit-Warren-Dearborn, MI area (rank 38 of 38).
- Overall: at or above the peer median on 2 of 7 directional measures.
Return on Assets
0.49%
Rank 29 of 38
Net Interest Margin
3.06%
Rank 33 of 38
Efficiency Ratio
82.09%
Rank 28 of 38
Equity / Assets
13.57%
Rank 16 of 38
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.49% | 0.49% | 0.78% | 1.16% | Beats 24% | 29 / 38 | | |
| Return on Equity | 3.63% | 3.91% | 6.52% | 8.43% | Beats 21% | 30 / 38 | | |
| Net Interest Margin | 3.06% | 3.41% | 3.65% | 4.18% | Beats 13% | 33 / 38 | | |
| Efficiency Ratio | 82.09% | 72.88% | 78.35% | 82.40% | Beats 29% | 28 / 38 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 5.71% | 0.36% | 0.84% | 1.47% | Beats 3% | 38 / 38 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 13.57% | 11.22% | 12.45% | 15.29% | Beats 58% | 16 / 38 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 13.57% | 11.22% | 12.45% | 15.29% | Beats 58% | 16 / 38 | | |
| Liquidity & Funding |
| Loans / Deposits | 77.20% | 38.40% | 54.78% | 75.62% | 79th pctl | 8 / 38 | | |
| Loans / Assets | 66.56% | 32.99% | 45.72% | 63.66% | 82nd pctl | 7 / 38 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |