Wildfire
Saginaw, MI · Charter 60057 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 7 branches
Q2 2026
$1.2BAssets
$727.3MLoans
$1.1BShares
$131.8MNet Worth
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 59% of credit unions $1B-$10B in assets (rank 180 of 435).
- Widest gap: return on equity trails 72% of credit unions $1B-$10B in assets (rank 313 of 435).
- Overall: at or above the peer median on 3 of 7 directional measures.
Return on Assets
0.59%
Rank 314 of 435
Net Interest Margin
3.15%
Rank 289 of 435
Efficiency Ratio
76.70%
Rank 310 of 435
Equity / Assets
10.95%
Rank 206 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.59% | 0.55% | 0.81% | 1.14% | Beats 28% | 314 / 435 | | |
| Return on Equity | 5.36% | 5.12% | 7.41% | 9.70% | Beats 28% | 313 / 435 | | |
| Net Interest Margin | 3.15% | 3.01% | 3.39% | 3.75% | Beats 34% | 289 / 435 | | |
| Efficiency Ratio | 76.70% | 65.25% | 71.39% | 77.86% | Beats 29% | 310 / 435 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.60% | 0.45% | 0.69% | 1.05% | Beats 59% | 180 / 435 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 10.95% | 9.81% | 10.84% | 12.63% | Beats 53% | 206 / 435 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 10.95% | 9.81% | 10.84% | 12.63% | Beats 53% | 206 / 435 | | |
| Liquidity & Funding |
| Loans / Deposits | 68.13% | 78.33% | 88.38% | 95.61% | 12th pctl | 384 / 435 | | |
| Loans / Assets | 60.43% | 67.69% | 74.58% | 80.80% | 14th pctl | 374 / 435 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |