Family Financial
Norton Shores, MI · Charter 61633 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 4 branches
Q2 2026
$175.6MAssets
$95.8MLoans
$154.4MShares
$19.4MNet Worth
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 38% of credit unions under $1B in assets (rank 1043 of 1682).
- Widest gap: efficiency ratio trails 83% of credit unions under $1B in assets (rank 1396 of 1682).
- Overall: at or above the peer median on 0 of 7 directional measures.
Return on Assets
0.25%
Rank 1,352 of 1,683
Net Interest Margin
3.42%
Rank 1,184 of 1,683
Efficiency Ratio
90.45%
Rank 1,396 of 1,682
Equity / Assets
11.06%
Rank 1,138 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.25% | 0.35% | 0.74% | 1.18% | Beats 20% | 1,352 / 1,683 | |
| Return on Equity | 2.22% | 2.67% | 5.89% | 8.74% | Beats 21% | 1,320 / 1,681 | |
| Net Interest Margin | 3.42% | 3.31% | 3.82% | 4.32% | Beats 30% | 1,184 / 1,683 | |
| Efficiency Ratio | 90.45% | 68.91% | 78.20% | 86.93% | Beats 17% | 1,396 / 1,682 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.90% | 0.26% | 0.65% | 1.29% | Beats 38% | 1,043 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 11.06% | 10.44% | 12.89% | 16.53% | Beats 32% | 1,138 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 11.06% | 10.44% | 12.89% | 16.53% | Beats 32% | 1,138 / 1,683 | |
| Liquidity & Funding |
| Loans / Deposits | 62.07% | 52.61% | 69.38% | 83.50% | 38th pctl | 1,049 / 1,683 | |
| Loans / Assets | 54.57% | 44.71% | 59.18% | 70.72% | 41st pctl | 985 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |