Copoco
Bay City, MI · Charter 60470 · Peer group: credit unions under $1B in assets (n=1,656-1,659)
NCUA · 3 branches
Q2 2025
$104.3MAssets
$40.1MLoans
$96.4MShares
$8.8MNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 21% of credit unions under $1B in assets (rank 1303 of 1658).
- Widest gap: equity / assets trails 93% of credit unions under $1B in assets (rank 1540 of 1658).
- Overall: at or above the peer median on 0 of 7 directional measures.
Return on Assets
0.08%
Rank 1,440 of 1,659
Net Interest Margin
3.12%
Rank 1,303 of 1,658
Efficiency Ratio
97.65%
Rank 1,528 of 1,656
Equity / Assets
8.41%
Rank 1,540 of 1,658
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.08% | 0.35% | 0.78% | 1.25% | Beats 13% | 1,440 / 1,659 | | |
| Return on Equity | 0.93% | 2.75% | 6.06% | 9.41% | Beats 15% | 1,413 / 1,657 | | |
| Net Interest Margin | 3.12% | 3.20% | 3.76% | 4.33% | Beats 21% | 1,303 / 1,658 | | |
| Efficiency Ratio | 97.65% | 67.69% | 77.34% | 85.79% | Beats 8% | 1,528 / 1,656 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 2.11% | 0.24% | 0.65% | 1.35% | Beats 12% | 1,461 / 1,657 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 8.41% | 10.20% | 12.57% | 16.16% | Beats 7% | 1,541 / 1,659 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 8.41% | 10.20% | 12.57% | 16.15% | Beats 7% | 1,540 / 1,658 | | |
| Liquidity & Funding |
| Loans / Deposits | 41.62% | 54.91% | 71.55% | 84.72% | 11th pctl | 1,480 / 1,658 | | |
| Loans / Assets | 38.49% | 46.17% | 60.56% | 71.91% | 15th pctl | 1,416 / 1,658 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |