Michigan Columbus
Livonia, MI · Charter 5554 · Peer group: credit unions under $1B in assets in the Detroit-Warren-Dearborn, MI area (n=38)
NCUA · 2 branches
Q2 2026
$75.0MAssets
$26.4MLoans
$62.4MShares
$12.4MNet Worth
Executive Summary
- Strongest standing: tier 1 capital ratio outperforms 84% of credit unions under $1B in assets in the Detroit-Warren-Dearborn, MI area (rank 6 of 38).
- Widest gap: net interest margin trails 74% of credit unions under $1B in assets in the Detroit-Warren-Dearborn, MI area (rank 28 of 38).
- Overall: at or above the peer median on 4 of 7 directional measures.
Return on Assets
0.80%
Rank 18 of 38
Net Interest Margin
3.44%
Rank 28 of 38
Efficiency Ratio
77.75%
Rank 18 of 38
Equity / Assets
16.57%
Rank 6 of 38
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.80% | 0.49% | 0.78% | 1.16% | Beats 53% | 18 / 38 | |
| Return on Equity | 4.84% | 3.91% | 6.52% | 8.43% | Beats 37% | 24 / 38 | |
| Net Interest Margin | 3.44% | 3.41% | 3.65% | 4.18% | Beats 26% | 28 / 38 | |
| Efficiency Ratio | 77.75% | 72.88% | 78.35% | 82.40% | Beats 55% | 18 / 38 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.01% | 0.36% | 0.84% | 1.47% | Beats 45% | 22 / 38 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 16.57% | 11.22% | 12.45% | 15.29% | Beats 84% | 6 / 38 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 16.57% | 11.22% | 12.45% | 15.29% | Beats 84% | 6 / 38 | |
| Liquidity & Funding |
| Loans / Deposits | 42.26% | 38.40% | 54.78% | 75.62% | 29th pctl | 27 / 38 | |
| Loans / Assets | 35.15% | 32.99% | 45.72% | 63.66% | 29th pctl | 27 / 38 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |