Iron Mountain Kingsford Community
Kingsford, MI · Charter 5660 · Peer group: credit unions under $1B in assets in MI (n=56)
NCUA · 1 branch
Q2 2026
$149.4MAssets
$34.9MLoans
$121.8MShares
$26.7MNet Worth
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 93% of credit unions under $1B in assets in MI (rank 5 of 56).
- Widest gap: net interest margin trails 52% of credit unions under $1B in assets in MI (rank 29 of 56).
- Overall: at or above the peer median on 6 of 7 directional measures.
Return on Assets
1.66%
Rank 11 of 56
Net Interest Margin
3.80%
Rank 29 of 56
Efficiency Ratio
60.78%
Rank 8 of 56
Equity / Assets
17.86%
Rank 5 of 56
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.66% | 0.74% | 1.15% | 1.47% | Beats 80% | 11 / 56 | |
| Return on Equity | 9.29% | 6.40% | 9.29% | 11.51% | Beats 50% | 28 / 56 | |
| Net Interest Margin | 3.80% | 3.40% | 3.92% | 4.36% | Beats 48% | 29 / 56 | |
| Efficiency Ratio | 60.78% | 65.99% | 72.16% | 78.25% | Beats 87% | 8 / 56 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.18% | 0.49% | 0.84% | 1.28% | Beats 93% | 5 / 56 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 17.86% | 10.20% | 12.14% | 14.32% | Beats 91% | 5 / 56 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 17.86% | 10.20% | 12.14% | 14.32% | Beats 91% | 5 / 56 | |
| Liquidity & Funding |
| Loans / Deposits | 28.64% | 52.28% | 65.96% | 76.17% | 2nd pctl | 55 / 56 | |
| Loans / Assets | 23.34% | 45.34% | 56.55% | 67.04% | 2nd pctl | 55 / 56 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |