Omni Community
Battle Creek, MI · Charter 60105 · Peer group: credit unions under $1B in assets in MI (n=56)
NCUA · 13 branches
Q2 2026
$662.0MAssets
$370.6MLoans
$553.8MShares
$108.0MNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 89% of credit unions under $1B in assets in MI (rank 6 of 56).
- Widest gap: nonperforming loans / loans trails 43% of credit unions under $1B in assets in MI (rank 25 of 56).
- Overall: at or above the peer median on 7 of 7 directional measures.
Return on Assets
1.71%
Rank 8 of 56
Net Interest Margin
4.68%
Rank 6 of 56
Efficiency Ratio
62.70%
Rank 9 of 56
Equity / Assets
16.32%
Rank 9 of 56
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.71% | 0.74% | 1.15% | 1.47% | Beats 86% | 8 / 56 | | |
| Return on Equity | 10.45% | 6.40% | 9.29% | 11.51% | Beats 66% | 19 / 56 | | |
| Net Interest Margin | 4.68% | 3.40% | 3.92% | 4.36% | Beats 89% | 6 / 56 | | |
| Efficiency Ratio | 62.70% | 65.99% | 72.16% | 78.25% | Beats 86% | 9 / 56 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.75% | 0.49% | 0.84% | 1.28% | Beats 57% | 25 / 56 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 16.32% | 10.20% | 12.14% | 14.32% | Beats 84% | 9 / 56 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 16.32% | 10.20% | 12.14% | 14.32% | Beats 84% | 9 / 56 | | |
| Liquidity & Funding |
| Loans / Deposits | 66.92% | 52.28% | 65.96% | 76.17% | 54th pctl | 26 / 56 | | |
| Loans / Assets | 55.98% | 45.34% | 56.55% | 67.04% | 46th pctl | 30 / 56 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |