Northern Lights Community
Chatham, MI · Charter 5272 · Peer group: credit unions under $1B in assets in MI (n=56)
NCUA · 1 branch
Q2 2026
$12.9MAssets
$3.4MLoans
$11.6MShares
$1.3MNet Worth
Executive Summary
- Strongest standing: return on equity outperforms 98% of credit unions under $1B in assets in MI (rank 1 of 56).
- Widest gap: equity / assets trails 86% of credit unions under $1B in assets in MI (rank 48 of 56).
- Overall: at or above the peer median on 4 of 7 directional measures.
Return on Assets
2.14%
Rank 4 of 56
Net Interest Margin
4.57%
Rank 9 of 56
Efficiency Ratio
68.56%
Rank 17 of 56
Equity / Assets
9.76%
Rank 48 of 56
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 2.14% | 0.74% | 1.15% | 1.47% | Beats 93% | 4 / 56 | | |
| Return on Equity | 21.92% | 6.40% | 9.29% | 11.51% | Beats 98% | 1 / 56 | | |
| Net Interest Margin | 4.57% | 3.40% | 3.92% | 4.36% | Beats 84% | 9 / 56 | | |
| Efficiency Ratio | 68.56% | 65.99% | 72.16% | 78.25% | Beats 71% | 17 / 56 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.68% | 0.49% | 0.84% | 1.28% | Beats 18% | 47 / 56 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 9.76% | 10.20% | 12.14% | 14.32% | Beats 14% | 48 / 56 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 9.76% | 10.20% | 12.14% | 14.32% | Beats 14% | 48 / 56 | | |
| Liquidity & Funding |
| Loans / Deposits | 29.29% | 52.28% | 65.96% | 76.17% | 4th pctl | 54 / 56 | | |
| Loans / Assets | 26.22% | 45.34% | 56.55% | 67.04% | 4th pctl | 54 / 56 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |