Circle
Niles, MI · Charter 22114 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 3 branches
Q2 2026
$117.4MAssets
$80.2MLoans
$105.6MShares
$10.7MNet Worth
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 76% of credit unions under $1B in assets (rank 410 of 1682).
- Widest gap: equity / assets trails 89% of credit unions under $1B in assets (rank 1490 of 1683).
- Overall: at or above the peer median on 3 of 7 directional measures.
Return on Assets
0.79%
Rank 787 of 1,683
Net Interest Margin
3.24%
Rank 1,315 of 1,683
Efficiency Ratio
79.71%
Rank 924 of 1,682
Equity / Assets
9.14%
Rank 1,490 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.79% | 0.35% | 0.74% | 1.18% | Beats 53% | 787 / 1,683 | | |
| Return on Equity | 8.68% | 2.67% | 5.89% | 8.74% | Beats 74% | 430 / 1,681 | | |
| Net Interest Margin | 3.24% | 3.31% | 3.82% | 4.32% | Beats 22% | 1,315 / 1,683 | | |
| Efficiency Ratio | 79.71% | 68.91% | 78.20% | 86.93% | Beats 45% | 924 / 1,682 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.25% | 0.26% | 0.65% | 1.29% | Beats 76% | 410 / 1,682 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 9.14% | 10.44% | 12.89% | 16.53% | Beats 11% | 1,490 / 1,683 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 9.14% | 10.44% | 12.89% | 16.53% | Beats 11% | 1,490 / 1,683 | | |
| Liquidity & Funding |
| Loans / Deposits | 75.97% | 52.61% | 69.38% | 83.50% | 62nd pctl | 645 / 1,683 | | |
| Loans / Assets | 68.31% | 44.71% | 59.18% | 70.72% | 70th pctl | 509 / 1,683 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |