Public Service
Romulus, MI · Charter 60683 · Peer group: credit unions under $1B in assets in the Detroit-Warren-Dearborn, MI area (n=38)
NCUA · 11 branches
Q2 2026
$467.6MAssets
$297.7MLoans
$391.7MShares
$54.3MNet Worth
Executive Summary
- Strongest standing: return on equity outperforms 63% of credit unions under $1B in assets in the Detroit-Warren-Dearborn, MI area (rank 14 of 38).
- Widest gap: equity / assets trails 71% of credit unions under $1B in assets in the Detroit-Warren-Dearborn, MI area (rank 27 of 38).
- Overall: at or above the peer median on 3 of 7 directional measures.
Return on Assets
0.93%
Rank 15 of 38
Net Interest Margin
3.67%
Rank 18 of 38
Efficiency Ratio
80.70%
Rank 24 of 38
Equity / Assets
11.61%
Rank 27 of 38
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.93% | 0.49% | 0.78% | 1.16% | Beats 61% | 15 / 38 | | |
| Return on Equity | 7.98% | 3.91% | 6.52% | 8.43% | Beats 63% | 14 / 38 | | |
| Net Interest Margin | 3.67% | 3.41% | 3.65% | 4.18% | Beats 50% | 18 / 38 | | |
| Efficiency Ratio | 80.70% | 72.88% | 78.35% | 82.40% | Beats 39% | 24 / 38 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.03% | 0.36% | 0.84% | 1.47% | Beats 42% | 23 / 38 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 11.61% | 11.22% | 12.45% | 15.29% | Beats 29% | 27 / 38 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 11.61% | 11.22% | 12.45% | 15.29% | Beats 29% | 27 / 38 | | |
| Liquidity & Funding |
| Loans / Deposits | 76.00% | 38.40% | 54.78% | 75.62% | 76th pctl | 9 / 38 | | |
| Loans / Assets | 63.66% | 32.99% | 45.72% | 63.66% | 74th pctl | 10 / 38 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |