Kalsee
Kalamazoo, MI · Charter 61219 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 7 branches
Q2 2026
$291.5MAssets
$230.0MLoans
$261.8MShares
$30.9MNet Worth
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 72% of credit unions under $1B in assets (rank 477 of 1682).
- Widest gap: equity / assets trails 73% of credit unions under $1B in assets (rank 1237 of 1683).
- Overall: at or above the peer median on 4 of 7 directional measures.
Return on Assets
0.80%
Rank 783 of 1,683
Net Interest Margin
4.16%
Rank 541 of 1,683
Efficiency Ratio
81.33%
Rank 999 of 1,682
Equity / Assets
10.61%
Rank 1,237 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.80% | 0.35% | 0.74% | 1.18% | Beats 53% | 783 / 1,683 | | |
| Return on Equity | 7.50% | 2.67% | 5.89% | 8.74% | Beats 65% | 583 / 1,681 | | |
| Net Interest Margin | 4.16% | 3.31% | 3.82% | 4.32% | Beats 68% | 541 / 1,683 | | |
| Efficiency Ratio | 81.33% | 68.91% | 78.20% | 86.93% | Beats 41% | 999 / 1,682 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.31% | 0.26% | 0.65% | 1.29% | Beats 72% | 477 / 1,682 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 10.61% | 10.44% | 12.89% | 16.53% | Beats 27% | 1,237 / 1,683 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 10.61% | 10.44% | 12.89% | 16.53% | Beats 27% | 1,237 / 1,683 | | |
| Liquidity & Funding |
| Loans / Deposits | 87.85% | 52.61% | 69.38% | 83.50% | 83rd pctl | 286 / 1,683 | | |
| Loans / Assets | 78.88% | 44.71% | 59.18% | 70.72% | 90th pctl | 170 / 1,683 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |