Family First
Saginaw, MI · Charter 61909 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 3 branches
Q2 2026
$96.8MAssets
$48.0MLoans
$88.4MShares
$9.7MNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 69% of credit unions under $1B in assets (rank 518 of 1683).
- Widest gap: nonperforming loans / loans trails 90% of credit unions under $1B in assets (rank 1518 of 1682).
- Overall: at or above the peer median on 1 of 7 directional measures.
Return on Assets
0.25%
Rank 1,347 of 1,683
Net Interest Margin
4.19%
Rank 518 of 1,683
Efficiency Ratio
81.54%
Rank 1,010 of 1,682
Equity / Assets
9.98%
Rank 1,350 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.25% | 0.35% | 0.74% | 1.18% | Beats 20% | 1,347 / 1,683 | | |
| Return on Equity | 2.53% | 2.67% | 5.89% | 8.74% | Beats 23% | 1,290 / 1,681 | | |
| Net Interest Margin | 4.19% | 3.31% | 3.82% | 4.32% | Beats 69% | 518 / 1,683 | | |
| Efficiency Ratio | 81.54% | 68.91% | 78.20% | 86.93% | Beats 40% | 1,010 / 1,682 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 2.62% | 0.26% | 0.65% | 1.29% | Beats 10% | 1,518 / 1,682 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 9.98% | 10.44% | 12.89% | 16.53% | Beats 20% | 1,350 / 1,683 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 9.98% | 10.44% | 12.89% | 16.53% | Beats 20% | 1,350 / 1,683 | | |
| Liquidity & Funding |
| Loans / Deposits | 54.29% | 52.61% | 69.38% | 83.50% | 27th pctl | 1,230 / 1,683 | | |
| Loans / Assets | 49.57% | 44.71% | 59.18% | 70.72% | 33rd pctl | 1,133 / 1,683 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |