Dow
Midland, MI · Charter 60137 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 2 branches
Q2 2026
$2.6BAssets
$1.2BLoans
$2.3BShares
$264.4MNet Worth
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 92% of credit unions $1B-$10B in assets (rank 37 of 435).
- Widest gap: net interest margin trails 98% of credit unions $1B-$10B in assets (rank 427 of 435).
- Overall: at or above the peer median on 3 of 7 directional measures.
Return on Assets
0.76%
Rank 243 of 435
Net Interest Margin
1.99%
Rank 427 of 435
Efficiency Ratio
59.51%
Rank 52 of 435
Equity / Assets
10.07%
Rank 297 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.76% | 0.55% | 0.81% | 1.14% | Beats 44% | 243 / 435 | | |
| Return on Equity | 7.52% | 5.12% | 7.41% | 9.70% | Beats 51% | 213 / 435 | | |
| Net Interest Margin | 1.99% | 3.01% | 3.39% | 3.75% | Beats 2% | 427 / 435 | | |
| Efficiency Ratio | 59.51% | 65.25% | 71.39% | 77.86% | Beats 88% | 52 / 435 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.29% | 0.45% | 0.69% | 1.05% | Beats 92% | 37 / 435 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 10.07% | 9.81% | 10.84% | 12.63% | Beats 32% | 297 / 435 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 10.07% | 9.81% | 10.84% | 12.63% | Beats 32% | 297 / 435 | | |
| Liquidity & Funding |
| Loans / Deposits | 52.41% | 78.33% | 88.38% | 95.61% | 3rd pctl | 421 / 435 | | |
| Loans / Assets | 46.92% | 67.69% | 74.58% | 80.80% | 4th pctl | 419 / 435 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |