Polish-American
Troy, MI · Charter 22280 · Peer group: credit unions under $1B in assets in the Detroit-Warren-Dearborn, MI area (n=38)
NCUA · 2 branches
Q2 2026
$195.1MAssets
$127.8MLoans
$169.0MShares
$24.9MNet Worth
Executive Summary
- Strongest standing: efficiency ratio outperforms 97% of credit unions under $1B in assets in the Detroit-Warren-Dearborn, MI area (rank 2 of 38).
- Widest gap: net interest margin trails 92% of credit unions under $1B in assets in the Detroit-Warren-Dearborn, MI area (rank 35 of 38).
- Overall: at or above the peer median on 5 of 7 directional measures.
Return on Assets
1.23%
Rank 8 of 38
Net Interest Margin
2.98%
Rank 35 of 38
Efficiency Ratio
58.61%
Rank 2 of 38
Equity / Assets
12.79%
Rank 18 of 38
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.23% | 0.49% | 0.78% | 1.16% | Beats 79% | 8 / 38 | |
| Return on Equity | 9.64% | 3.91% | 6.52% | 8.43% | Beats 82% | 7 / 38 | |
| Net Interest Margin | 2.98% | 3.41% | 3.65% | 4.18% | Beats 8% | 35 / 38 | |
| Efficiency Ratio | 58.61% | 72.88% | 78.35% | 82.40% | Beats 97% | 2 / 38 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.37% | 0.36% | 0.84% | 1.47% | Beats 29% | 28 / 38 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 12.79% | 11.22% | 12.45% | 15.29% | Beats 53% | 18 / 38 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 12.79% | 11.22% | 12.45% | 15.29% | Beats 53% | 18 / 38 | |
| Liquidity & Funding |
| Loans / Deposits | 75.62% | 38.40% | 54.78% | 75.62% | 74th pctl | 10 / 38 | |
| Loans / Assets | 65.52% | 32.99% | 45.72% | 63.66% | 79th pctl | 8 / 38 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |