Community Promise
Kalamazoo, MI · Charter 24848 · Peer group: credit unions under $1B in assets (n=1,637-1,639)
NCUA · 2 branches
Q3 2025
$611KAssets
$469KLoans
$530KShares
$41KNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 98% of credit unions under $1B in assets (rank 33 of 1638).
- Widest gap: efficiency ratio trails 100% of credit unions under $1B in assets (rank 1632 of 1637).
- Overall: at or above the peer median on 1 of 7 directional measures.
Return on Assets
-28.37%
Rank 1,638 of 1,639
Net Interest Margin
6.33%
Rank 33 of 1,638
Efficiency Ratio
219%
Rank 1,632 of 1,637
Equity / Assets
6.71%
Rank 1,627 of 1,638
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | -28.37% | 0.40% | 0.81% | 1.29% | Beats 0% | 1,638 / 1,639 | |
| Return on Equity | -423% | 3.02% | 6.34% | 9.49% | Beats 0% | 1,637 / 1,638 | |
| Net Interest Margin | 6.33% | 3.27% | 3.83% | 4.38% | Beats 98% | 33 / 1,638 | |
| Efficiency Ratio | 219% | 67.38% | 76.32% | 84.73% | Beats 0% | 1,632 / 1,637 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.28% | 0.27% | 0.68% | 1.33% | Beats 26% | 1,206 / 1,637 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 6.66% | 10.38% | 12.80% | 16.53% | Beats 1% | 1,627 / 1,639 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 6.71% | 10.39% | 12.80% | 16.53% | Beats 1% | 1,627 / 1,638 | |
| Liquidity & Funding |
| Loans / Deposits | 88.48% | 55.01% | 72.16% | 85.44% | 81st pctl | 319 / 1,638 | |
| Loans / Assets | 76.76% | 46.69% | 60.81% | 72.42% | 84th pctl | 267 / 1,638 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |