Michigan United Auburn Hills, MI · Charter 61698 · Peer group: credit unions under $1B in assets in the Detroit-Warren-Dearborn, MI area (n=38)
NCUA · 9 branches
Q2 2026
$349.3M Assets
$221.2M Loans
$305.0M Shares
$41.9M Net Worth
Executive Summary Strongest standing: nonperforming loans / loans outperforms 95% of credit unions under $1B in assets in the Detroit-Warren-Dearborn, MI area (rank 3 of 38). Widest gap: efficiency ratio trails 74% of credit unions under $1B in assets in the Detroit-Warren-Dearborn, MI area (rank 29 of 38). Overall: at or above the peer median on 2 of 7 directional measures. Return on Assets
0.51%
Rank 28 of 38
Net Interest Margin
4.18%
Rank 10 of 38
Efficiency Ratio
82.40%
Rank 29 of 38
Equity / Assets
11.98%
Rank 25 of 38
Metric Your Credit Union Peer 25th Peer Median Peer 75th Standing Rank Peer Position Earnings Return on Assets 0.51% 0.49% 0.78% 1.16% Beats 26% 28 / 38 Return on Equity 4.23% 3.91% 6.52% 8.43% Beats 29% 27 / 38 Net Interest Margin 4.18% 3.41% 3.65% 4.18% Beats 74% 10 / 38 Efficiency Ratio 82.40% 72.88% 78.35% 82.40% Beats 26% 29 / 38 Asset Quality Nonperforming Loans / Loans 0.10% 0.36% 0.84% 1.47% Beats 95% 3 / 38 Net Charge-Offs / Loans n/a Not reported for this institution Capital Tier 1 Capital Ratio 11.98% 11.22% 12.45% 15.29% Beats 34% 25 / 38 Total Risk-Based Capital Ratio n/a Not reported for this institution Equity / Assets 11.98% 11.22% 12.45% 15.29% Beats 34% 25 / 38 Liquidity & Funding Loans / Deposits 72.53% 38.40% 54.78% 75.62% 71st pctl 11 / 38 Loans / Assets 63.33% 32.99% 45.72% 63.66% 71st pctl 11 / 38 Brokered Deposits / Deposits n/a Not reported for this institution
Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Peer statistics computed across credit unions under $1B in assets in the Detroit-Warren-Dearborn, MI area; percentile is the share of peers with a lower reported value. Each ratio is ranked only among the institutions that reported it, so the denominator in the Rank column varies by measure. Income-statement figures on this page are year-to-date as filed, annualized, because the peer percentiles are computed on that basis. Performance Trends defaults to the discrete quarter, so the same measure can read differently there in any quarter but the first, where year-to-date and the quarter cover the same period. Peer comparisons use ratios standardized identically across all institutions and can differ from as-filed figures. Subchapter S banks are restated to an after-tax equivalent at 21.50%, the median effective tax rate of the 2,758 C-corporation banks filing for this quarter. The rate is recomputed each quarter, and C-corporation figures are unchanged. Peer groups below the disclosure floor are suppressed.
CallReports · callreports.ai · Peer Comparison Generated 2026-10-11