Loc
Farmington, MI · Charter 61404 · Peer group: credit unions under $1B in assets in the Detroit-Warren-Dearborn, MI area (n=38)
NCUA · 6 branches
Q2 2026
$485.0MAssets
$249.0MLoans
$434.2MShares
$49.3MNet Worth
Executive Summary
- Strongest standing: return on equity outperforms 87% of credit unions under $1B in assets in the Detroit-Warren-Dearborn, MI area (rank 5 of 38).
- Widest gap: equity / assets trails 84% of credit unions under $1B in assets in the Detroit-Warren-Dearborn, MI area (rank 32 of 38).
- Overall: at or above the peer median on 4 of 7 directional measures.
Return on Assets
1.00%
Rank 12 of 38
Net Interest Margin
3.62%
Rank 22 of 38
Efficiency Ratio
76.77%
Rank 17 of 38
Equity / Assets
10.16%
Rank 32 of 38
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.00% | 0.49% | 0.78% | 1.16% | Beats 68% | 12 / 38 | |
| Return on Equity | 9.88% | 3.91% | 6.52% | 8.43% | Beats 87% | 5 / 38 | |
| Net Interest Margin | 3.62% | 3.41% | 3.65% | 4.18% | Beats 42% | 22 / 38 | |
| Efficiency Ratio | 76.77% | 72.88% | 78.35% | 82.40% | Beats 58% | 17 / 38 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.36% | 0.36% | 0.84% | 1.47% | Beats 76% | 10 / 38 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 10.16% | 11.22% | 12.45% | 15.29% | Beats 16% | 32 / 38 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 10.16% | 11.22% | 12.45% | 15.29% | Beats 16% | 32 / 38 | |
| Liquidity & Funding |
| Loans / Deposits | 57.35% | 38.40% | 54.78% | 75.62% | 55th pctl | 17 / 38 | |
| Loans / Assets | 51.33% | 32.99% | 45.72% | 63.66% | 58th pctl | 16 / 38 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |