Service 1
Muskegon, MI · Charter 4038 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 6 branches
Q2 2026
$198.5MAssets
$140.4MLoans
$160.8MShares
$36.8MNet Worth
Executive Summary
- Strongest standing: return on assets outperforms 88% of credit unions under $1B in assets (rank 209 of 1683).
- Widest gap: nonperforming loans / loans trails 35% of credit unions under $1B in assets (rank 596 of 1682).
- Overall: at or above the peer median on 7 of 7 directional measures.
Return on Assets
1.58%
Rank 209 of 1,683
Net Interest Margin
4.28%
Rank 443 of 1,683
Efficiency Ratio
71.73%
Rank 527 of 1,682
Equity / Assets
18.56%
Rank 299 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.58% | 0.35% | 0.74% | 1.18% | Beats 88% | 209 / 1,683 | |
| Return on Equity | 8.49% | 2.67% | 5.89% | 8.74% | Beats 73% | 450 / 1,681 | |
| Net Interest Margin | 4.28% | 3.31% | 3.82% | 4.32% | Beats 74% | 443 / 1,683 | |
| Efficiency Ratio | 71.73% | 68.91% | 78.20% | 86.93% | Beats 69% | 527 / 1,682 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.42% | 0.26% | 0.65% | 1.29% | Beats 65% | 596 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 18.56% | 10.44% | 12.89% | 16.53% | Beats 82% | 299 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 18.56% | 10.44% | 12.89% | 16.53% | Beats 82% | 299 / 1,683 | |
| Liquidity & Funding |
| Loans / Deposits | 87.29% | 52.61% | 69.38% | 83.50% | 81st pctl | 312 / 1,683 | |
| Loans / Assets | 70.71% | 44.71% | 59.18% | 70.72% | 75th pctl | 422 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |