Michigan Educational
Plymouth, MI · Charter 60931 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 6 branches
Q2 2026
$1.1BAssets
$482.3MLoans
$987.0MShares
$130.1MNet Worth
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 91% of credit unions $1B-$10B in assets (rank 38 of 435).
- Widest gap: efficiency ratio trails 89% of credit unions $1B-$10B in assets (rank 386 of 435).
- Overall: at or above the peer median on 3 of 7 directional measures.
Return on Assets
0.49%
Rank 347 of 435
Net Interest Margin
2.67%
Rank 382 of 435
Efficiency Ratio
82.29%
Rank 386 of 435
Equity / Assets
11.70%
Rank 158 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.49% | 0.55% | 0.81% | 1.14% | Beats 20% | 347 / 435 | |
| Return on Equity | 4.18% | 5.12% | 7.41% | 9.70% | Beats 18% | 356 / 435 | |
| Net Interest Margin | 2.67% | 3.01% | 3.39% | 3.75% | Beats 12% | 382 / 435 | |
| Efficiency Ratio | 82.29% | 65.25% | 71.39% | 77.86% | Beats 11% | 386 / 435 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.29% | 0.45% | 0.69% | 1.05% | Beats 91% | 38 / 435 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 11.70% | 9.81% | 10.84% | 12.63% | Beats 64% | 158 / 435 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 11.70% | 9.81% | 10.84% | 12.63% | Beats 64% | 158 / 435 | |
| Liquidity & Funding |
| Loans / Deposits | 48.86% | 78.33% | 88.38% | 95.61% | 2nd pctl | 426 / 435 | |
| Loans / Assets | 43.38% | 67.69% | 74.58% | 80.80% | 3rd pctl | 424 / 435 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |