Michigan Coastal
Muskegon, MI · Charter 61631 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 2 branches
Q2 2026
$25.7MAssets
$21.0MLoans
$23.4MShares
$2.2MNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 87% of credit unions under $1B in assets (rank 224 of 1683).
- Widest gap: nonperforming loans / loans trails 95% of credit unions under $1B in assets (rank 1603 of 1682).
- Overall: at or above the peer median on 3 of 7 directional measures.
Return on Assets
0.77%
Rank 811 of 1,683
Net Interest Margin
4.76%
Rank 224 of 1,683
Efficiency Ratio
79.05%
Rank 885 of 1,682
Equity / Assets
8.66%
Rank 1,549 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.77% | 0.35% | 0.74% | 1.18% | Beats 52% | 811 / 1,683 | | |
| Return on Equity | 8.88% | 2.67% | 5.89% | 8.74% | Beats 76% | 406 / 1,681 | | |
| Net Interest Margin | 4.76% | 3.31% | 3.82% | 4.32% | Beats 87% | 224 / 1,683 | | |
| Efficiency Ratio | 79.05% | 68.91% | 78.20% | 86.93% | Beats 47% | 885 / 1,682 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 4.04% | 0.26% | 0.65% | 1.29% | Beats 5% | 1,603 / 1,682 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 8.66% | 10.44% | 12.89% | 16.53% | Beats 8% | 1,549 / 1,683 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 8.66% | 10.44% | 12.89% | 16.53% | Beats 8% | 1,549 / 1,683 | | |
| Liquidity & Funding |
| Loans / Deposits | 89.84% | 52.61% | 69.38% | 83.50% | 86th pctl | 237 / 1,683 | | |
| Loans / Assets | 81.64% | 44.71% | 59.18% | 70.72% | 93rd pctl | 110 / 1,683 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |