Settlers
Bruce Crossing, MI · Charter 24793 · Peer group: credit unions under $1B in assets in MI (n=56)
NCUA · 2 branches
Q2 2026
$37.8MAssets
$20.1MLoans
$30.2MShares
$7.4MNet Worth
Executive Summary
- Strongest standing: return on assets outperforms 96% of credit unions under $1B in assets in MI (rank 2 of 56).
- Widest gap: nonperforming loans / loans trails 46% of credit unions under $1B in assets in MI (rank 27 of 56).
- Overall: at or above the peer median on 7 of 7 directional measures.
Return on Assets
2.24%
Rank 2 of 56
Net Interest Margin
4.75%
Rank 4 of 56
Efficiency Ratio
65.80%
Rank 14 of 56
Equity / Assets
19.68%
Rank 3 of 56
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 2.24% | 0.74% | 1.15% | 1.47% | Beats 96% | 2 / 56 | |
| Return on Equity | 11.36% | 6.40% | 9.29% | 11.51% | Beats 71% | 16 / 56 | |
| Net Interest Margin | 4.75% | 3.40% | 3.92% | 4.36% | Beats 93% | 4 / 56 | |
| Efficiency Ratio | 65.80% | 65.99% | 72.16% | 78.25% | Beats 77% | 14 / 56 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.79% | 0.49% | 0.84% | 1.28% | Beats 54% | 27 / 56 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 19.68% | 10.20% | 12.14% | 14.32% | Beats 95% | 3 / 56 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 19.68% | 10.20% | 12.14% | 14.32% | Beats 95% | 3 / 56 | |
| Liquidity & Funding |
| Loans / Deposits | 66.44% | 52.28% | 65.96% | 76.17% | 52nd pctl | 27 / 56 | |
| Loans / Assets | 53.02% | 45.34% | 56.55% | 67.04% | 38th pctl | 35 / 56 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |