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Lansing, MI · Charter 60920 · Peer group: credit unions under $1B in assets in MI (n=59)
NCUA · 5 branches
Q4 2024
$188.9MAssets
$112.3MLoans
$171.6MShares
$16.4MNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 42% of credit unions under $1B in assets in MI (rank 34 of 59).
- Widest gap: return on equity trails 100% of credit unions under $1B in assets in MI (rank 59 of 59).
- Overall: at or above the peer median on 0 of 7 directional measures.
Return on Assets
-0.59%
Rank 59 of 59
Net Interest Margin
3.31%
Rank 34 of 59
Efficiency Ratio
99.89%
Rank 58 of 59
Equity / Assets
8.68%
Rank 56 of 59
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | -0.59% | 0.37% | 0.80% | 1.32% | Beats 0% | 59 / 59 | | |
| Return on Equity | -6.75% | 3.32% | 6.77% | 11.54% | Beats 0% | 59 / 59 | | |
| Net Interest Margin | 3.31% | 2.97% | 3.43% | 4.14% | Beats 42% | 34 / 59 | | |
| Efficiency Ratio | 99.89% | 66.87% | 76.47% | 83.41% | Beats 3% | 58 / 59 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.13% | 0.37% | 0.67% | 1.13% | Beats 25% | 45 / 59 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 8.68% | 9.63% | 11.49% | 13.72% | Beats 5% | 56 / 59 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 8.68% | 9.63% | 11.49% | 13.72% | Beats 5% | 56 / 59 | | |
| Liquidity & Funding |
| Loans / Deposits | 65.44% | 55.68% | 64.99% | 74.67% | 53rd pctl | 28 / 59 | | |
| Loans / Assets | 59.43% | 47.39% | 58.31% | 67.00% | 58th pctl | 25 / 59 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |