Forest Area
Fife Lake, MI · Charter 24047 · Peer group: credit unions under $1B in assets in MI (n=56)
NCUA · 8 branches
Q2 2026
$318.3MAssets
$198.5MLoans
$277.8MShares
$40.6MNet Worth
Executive Summary
- Strongest standing: return on equity outperforms 86% of credit unions under $1B in assets in MI (rank 8 of 56).
- Widest gap: nonperforming loans / loans trails 89% of credit unions under $1B in assets in MI (rank 51 of 56).
- Overall: at or above the peer median on 6 of 7 directional measures.
Return on Assets
1.69%
Rank 9 of 56
Net Interest Margin
4.40%
Rank 12 of 56
Efficiency Ratio
63.53%
Rank 12 of 56
Equity / Assets
12.76%
Rank 25 of 56
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.69% | 0.74% | 1.15% | 1.47% | Beats 84% | 9 / 56 | |
| Return on Equity | 13.21% | 6.40% | 9.29% | 11.51% | Beats 86% | 8 / 56 | |
| Net Interest Margin | 4.40% | 3.40% | 3.92% | 4.36% | Beats 79% | 12 / 56 | |
| Efficiency Ratio | 63.53% | 65.99% | 72.16% | 78.25% | Beats 80% | 12 / 56 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.92% | 0.49% | 0.84% | 1.28% | Beats 11% | 51 / 56 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 12.76% | 10.20% | 12.14% | 14.32% | Beats 55% | 25 / 56 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 12.76% | 10.20% | 12.14% | 14.32% | Beats 55% | 25 / 56 | |
| Liquidity & Funding |
| Loans / Deposits | 71.46% | 52.28% | 65.96% | 76.17% | 63rd pctl | 21 / 56 | |
| Loans / Assets | 62.37% | 45.34% | 56.55% | 67.04% | 61st pctl | 22 / 56 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |