Holy Spirit Parish
Saginaw, MI · Charter 61756 · Peer group: credit unions under $1B in assets (n=1,622-1,625)
NCUA · 2 branches
Q4 2025
$38.5MAssets
$17.8MLoans
$35.4MShares
$4.0MNet Worth
Executive Summary
- Strongest standing: return on equity outperforms 36% of credit unions under $1B in assets (rank 1031 of 1623).
- Widest gap: efficiency ratio trails 82% of credit unions under $1B in assets (rank 1328 of 1622).
- Overall: at or above the peer median on 0 of 7 directional measures.
Return on Assets
0.45%
Rank 1,154 of 1,625
Net Interest Margin
3.13%
Rank 1,283 of 1,625
Efficiency Ratio
88.79%
Rank 1,328 of 1,622
Equity / Assets
10.44%
Rank 1,216 of 1,624
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.45% | 0.37% | 0.76% | 1.21% | Beats 29% | 1,154 / 1,625 | |
| Return on Equity | 4.28% | 2.80% | 6.06% | 8.96% | Beats 36% | 1,031 / 1,623 | |
| Net Interest Margin | 3.13% | 3.25% | 3.80% | 4.36% | Beats 21% | 1,283 / 1,625 | |
| Efficiency Ratio | 88.79% | 68.56% | 77.08% | 85.11% | Beats 18% | 1,328 / 1,622 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.33% | 0.28% | 0.70% | 1.35% | Beats 26% | 1,209 / 1,623 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 10.44% | 10.44% | 12.79% | 16.54% | Beats 25% | 1,218 / 1,625 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 10.44% | 10.44% | 12.79% | 16.54% | Beats 25% | 1,216 / 1,624 | |
| Liquidity & Funding |
| Loans / Deposits | 50.32% | 54.72% | 71.33% | 84.54% | 21st pctl | 1,291 / 1,624 | |
| Loans / Assets | 46.21% | 46.04% | 60.45% | 71.73% | 25th pctl | 1,215 / 1,624 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |