Arbor Financial
Kalamazoo, MI · Charter 61708 · Peer group: credit unions under $1B in assets in MI (n=56)
NCUA · 13 branches
Q2 2026
$899.0MAssets
$685.2MLoans
$770.6MShares
$95.4MNet Worth
Executive Summary
- Strongest standing: return on equity outperforms 38% of credit unions under $1B in assets in MI (rank 35 of 56).
- Widest gap: nonperforming loans / loans trails 84% of credit unions under $1B in assets in MI (rank 48 of 56).
- Overall: at or above the peer median on 0 of 7 directional measures.
Return on Assets
0.83%
Rank 37 of 56
Net Interest Margin
3.34%
Rank 45 of 56
Efficiency Ratio
80.02%
Rank 45 of 56
Equity / Assets
10.61%
Rank 36 of 56
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.83% | 0.74% | 1.15% | 1.47% | Beats 34% | 37 / 56 | |
| Return on Equity | 7.81% | 6.40% | 9.29% | 11.51% | Beats 38% | 35 / 56 | |
| Net Interest Margin | 3.34% | 3.40% | 3.92% | 4.36% | Beats 20% | 45 / 56 | |
| Efficiency Ratio | 80.02% | 65.99% | 72.16% | 78.25% | Beats 21% | 45 / 56 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.81% | 0.49% | 0.84% | 1.28% | Beats 16% | 48 / 56 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 10.61% | 10.20% | 12.14% | 14.32% | Beats 36% | 36 / 56 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 10.61% | 10.20% | 12.14% | 14.32% | Beats 36% | 36 / 56 | |
| Liquidity & Funding |
| Loans / Deposits | 88.92% | 52.28% | 65.96% | 76.17% | 91st pctl | 5 / 56 | |
| Loans / Assets | 76.22% | 45.34% | 56.55% | 67.04% | 91st pctl | 5 / 56 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |