University of Michigan
Ann Arbor, MI · Charter 61552 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 15 branches
Q2 2026
$1.5BAssets
$1.2BLoans
$1.1BShares
$161.1MNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 90% of credit unions $1B-$10B in assets (rank 42 of 435).
- Widest gap: efficiency ratio trails 90% of credit unions $1B-$10B in assets (rank 394 of 435).
- Overall: at or above the peer median on 3 of 7 directional measures.
Return on Assets
0.41%
Rank 365 of 435
Net Interest Margin
4.09%
Rank 42 of 435
Efficiency Ratio
83.17%
Rank 394 of 435
Equity / Assets
11.08%
Rank 192 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.41% | 0.55% | 0.81% | 1.14% | Beats 16% | 365 / 435 | |
| Return on Equity | 3.68% | 5.12% | 7.41% | 9.70% | Beats 15% | 368 / 435 | |
| Net Interest Margin | 4.09% | 3.01% | 3.39% | 3.75% | Beats 90% | 42 / 435 | |
| Efficiency Ratio | 83.17% | 65.25% | 71.39% | 77.86% | Beats 10% | 394 / 435 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.82% | 0.45% | 0.69% | 1.05% | Beats 39% | 268 / 435 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 11.08% | 9.81% | 10.84% | 12.63% | Beats 56% | 192 / 435 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 11.08% | 9.81% | 10.84% | 12.63% | Beats 56% | 192 / 435 | |
| Liquidity & Funding |
| Loans / Deposits | 103.30% | 78.33% | 88.38% | 95.61% | 91st pctl | 38 / 435 | |
| Loans / Assets | 80.10% | 67.69% | 74.58% | 80.80% | 71st pctl | 128 / 435 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |