People Driven
Southfield, MI · Charter 61068 · Peer group: credit unions under $1B in assets in the Detroit-Warren-Dearborn, MI area (n=38)
NCUA · 5 branches
Q2 2026
$520.0MAssets
$385.1MLoans
$443.9MShares
$52.3MNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 84% of credit unions under $1B in assets in the Detroit-Warren-Dearborn, MI area (rank 6 of 38).
- Widest gap: equity / assets trails 87% of credit unions under $1B in assets in the Detroit-Warren-Dearborn, MI area (rank 33 of 38).
- Overall: at or above the peer median on 4 of 7 directional measures.
Return on Assets
0.72%
Rank 21 of 38
Net Interest Margin
4.42%
Rank 6 of 38
Efficiency Ratio
78.35%
Rank 20 of 38
Equity / Assets
10.06%
Rank 33 of 38
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.72% | 0.49% | 0.78% | 1.16% | Beats 45% | 21 / 38 | | |
| Return on Equity | 7.12% | 3.91% | 6.52% | 8.43% | Beats 58% | 16 / 38 | | |
| Net Interest Margin | 4.42% | 3.41% | 3.65% | 4.18% | Beats 84% | 6 / 38 | | |
| Efficiency Ratio | 78.35% | 72.88% | 78.35% | 82.40% | Beats 50% | 20 / 38 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.57% | 0.36% | 0.84% | 1.47% | Beats 58% | 17 / 38 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 10.06% | 11.22% | 12.45% | 15.29% | Beats 13% | 33 / 38 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 10.06% | 11.22% | 12.45% | 15.29% | Beats 13% | 33 / 38 | | |
| Liquidity & Funding |
| Loans / Deposits | 86.75% | 38.40% | 54.78% | 75.62% | 89th pctl | 4 / 38 | | |
| Loans / Assets | 74.07% | 32.99% | 45.72% | 63.66% | 87th pctl | 5 / 38 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |