Tba
Traverse City, MI · Charter 61795 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 2 branches
Q2 2026
$389.9MAssets
$262.6MLoans
$328.5MShares
$57.7MNet Worth
Executive Summary
- Strongest standing: efficiency ratio outperforms 80% of credit unions under $1B in assets (rank 341 of 1682).
- Widest gap: nonperforming loans / loans trails 36% of credit unions under $1B in assets (rank 601 of 1682).
- Overall: at or above the peer median on 7 of 7 directional measures.
Return on Assets
1.20%
Rank 407 of 1,683
Net Interest Margin
4.44%
Rank 356 of 1,683
Efficiency Ratio
66.34%
Rank 341 of 1,682
Equity / Assets
14.79%
Rank 573 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.20% | 0.35% | 0.74% | 1.18% | Beats 76% | 407 / 1,683 | |
| Return on Equity | 8.08% | 2.67% | 5.89% | 8.74% | Beats 70% | 498 / 1,681 | |
| Net Interest Margin | 4.44% | 3.31% | 3.82% | 4.32% | Beats 79% | 356 / 1,683 | |
| Efficiency Ratio | 66.34% | 68.91% | 78.20% | 86.93% | Beats 80% | 341 / 1,682 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.42% | 0.26% | 0.65% | 1.29% | Beats 64% | 601 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 14.79% | 10.44% | 12.89% | 16.53% | Beats 66% | 573 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 14.79% | 10.44% | 12.89% | 16.53% | Beats 66% | 573 / 1,683 | |
| Liquidity & Funding |
| Loans / Deposits | 79.93% | 52.61% | 69.38% | 83.50% | 69th pctl | 515 / 1,683 | |
| Loans / Assets | 67.35% | 44.71% | 59.18% | 70.72% | 68th pctl | 545 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |