Michigan State University
East Lansing, MI · Charter 23279 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 34 branches
Q2 2026
$8.9BAssets
$6.9BLoans
$7.3BShares
$794.6MNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 68% of credit unions $1B-$10B in assets (rank 139 of 435).
- Widest gap: equity / assets trails 90% of credit unions $1B-$10B in assets (rank 391 of 435).
- Overall: at or above the peer median on 1 of 7 directional measures.
Return on Assets
0.31%
Rank 388 of 435
Net Interest Margin
3.65%
Rank 139 of 435
Efficiency Ratio
74.71%
Rank 268 of 435
Equity / Assets
8.96%
Rank 391 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.31% | 0.55% | 0.81% | 1.14% | Beats 11% | 388 / 435 | |
| Return on Equity | 3.41% | 5.12% | 7.41% | 9.70% | Beats 14% | 375 / 435 | |
| Net Interest Margin | 3.65% | 3.01% | 3.39% | 3.75% | Beats 68% | 139 / 435 | |
| Efficiency Ratio | 74.71% | 65.25% | 71.39% | 77.86% | Beats 39% | 268 / 435 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.24% | 0.45% | 0.69% | 1.05% | Beats 18% | 357 / 435 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 8.96% | 9.81% | 10.84% | 12.63% | Beats 10% | 391 / 435 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 8.96% | 9.81% | 10.84% | 12.63% | Beats 10% | 391 / 435 | |
| Liquidity & Funding |
| Loans / Deposits | 95.16% | 78.33% | 88.38% | 95.61% | 74th pctl | 112 / 435 | |
| Loans / Assets | 78.08% | 67.69% | 74.58% | 80.80% | 62nd pctl | 166 / 435 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |