Isabella Community
MT Pleasant, MI · Charter 61318 · Peer group: credit unions under $1B in assets in MI (n=56)
NCUA · 4 branches
Q2 2026
$222.2MAssets
$115.9MLoans
$198.8MShares
$22.4MNet Worth
Executive Summary
- Strongest standing: return on equity outperforms 82% of credit unions under $1B in assets in MI (rank 10 of 56).
- Widest gap: equity / assets trails 79% of credit unions under $1B in assets in MI (rank 44 of 56).
- Overall: at or above the peer median on 3 of 7 directional measures.
Return on Assets
1.26%
Rank 24 of 56
Net Interest Margin
3.35%
Rank 44 of 56
Efficiency Ratio
71.79%
Rank 28 of 56
Equity / Assets
10.07%
Rank 44 of 56
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.26% | 0.74% | 1.15% | 1.47% | Beats 57% | 24 / 56 | | |
| Return on Equity | 12.52% | 6.40% | 9.29% | 11.51% | Beats 82% | 10 / 56 | | |
| Net Interest Margin | 3.35% | 3.40% | 3.92% | 4.36% | Beats 21% | 44 / 56 | | |
| Efficiency Ratio | 71.79% | 65.99% | 72.16% | 78.25% | Beats 52% | 28 / 56 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.14% | 0.49% | 0.84% | 1.28% | Beats 29% | 41 / 56 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 10.07% | 10.20% | 12.14% | 14.32% | Beats 21% | 44 / 56 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 10.07% | 10.20% | 12.14% | 14.32% | Beats 21% | 44 / 56 | | |
| Liquidity & Funding |
| Loans / Deposits | 58.28% | 52.28% | 65.96% | 76.17% | 29th pctl | 40 / 56 | | |
| Loans / Assets | 52.16% | 45.34% | 56.55% | 67.04% | 32nd pctl | 38 / 56 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |