Peninsula
Escanaba, MI · Charter 4291 · Peer group: credit unions under $1B in assets in MI (n=56)
NCUA · 3 branches
Q2 2026
$355.7MAssets
$292.9MLoans
$321.0MShares
$32.1MNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 57% of credit unions under $1B in assets in MI (rank 24 of 56).
- Widest gap: equity / assets trails 96% of credit unions under $1B in assets in MI (rank 54 of 56).
- Overall: at or above the peer median on 1 of 7 directional measures.
Return on Assets
0.73%
Rank 44 of 56
Net Interest Margin
4.04%
Rank 24 of 56
Efficiency Ratio
73.34%
Rank 30 of 56
Equity / Assets
9.03%
Rank 54 of 56
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.73% | 0.74% | 1.15% | 1.47% | Beats 21% | 44 / 56 | |
| Return on Equity | 8.11% | 6.40% | 9.29% | 11.51% | Beats 43% | 32 / 56 | |
| Net Interest Margin | 4.04% | 3.40% | 3.92% | 4.36% | Beats 57% | 24 / 56 | |
| Efficiency Ratio | 73.34% | 65.99% | 72.16% | 78.25% | Beats 48% | 30 / 56 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.94% | 0.49% | 0.84% | 1.28% | Beats 37% | 36 / 56 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 9.03% | 10.20% | 12.14% | 14.32% | Beats 4% | 54 / 56 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 9.03% | 10.20% | 12.14% | 14.32% | Beats 4% | 54 / 56 | |
| Liquidity & Funding |
| Loans / Deposits | 91.25% | 52.28% | 65.96% | 76.17% | 96th pctl | 2 / 56 | |
| Loans / Assets | 82.35% | 45.34% | 56.55% | 67.04% | 98th pctl | 1 / 56 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |