North Central Area
Houghton Lake, MI · Charter 61953 · Peer group: credit unions under $1B in assets in MI (n=56)
NCUA · 6 branches
Q2 2026
$271.7MAssets
$204.4MLoans
$240.0MShares
$31.4MNet Worth
Executive Summary
- Strongest standing: return on equity outperforms 79% of credit unions under $1B in assets in MI (rank 12 of 56).
- Widest gap: nonperforming loans / loans trails 64% of credit unions under $1B in assets in MI (rank 37 of 56).
- Overall: at or above the peer median on 4 of 7 directional measures.
Return on Assets
1.36%
Rank 19 of 56
Net Interest Margin
4.36%
Rank 14 of 56
Efficiency Ratio
72.16%
Rank 29 of 56
Equity / Assets
11.55%
Rank 33 of 56
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.36% | 0.74% | 1.15% | 1.47% | Beats 66% | 19 / 56 | | |
| Return on Equity | 11.77% | 6.40% | 9.29% | 11.51% | Beats 79% | 12 / 56 | | |
| Net Interest Margin | 4.36% | 3.40% | 3.92% | 4.36% | Beats 75% | 14 / 56 | | |
| Efficiency Ratio | 72.16% | 65.99% | 72.16% | 78.25% | Beats 50% | 29 / 56 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.95% | 0.49% | 0.84% | 1.28% | Beats 36% | 37 / 56 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 11.55% | 10.20% | 12.14% | 14.32% | Beats 41% | 33 / 56 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 11.55% | 10.20% | 12.14% | 14.32% | Beats 41% | 33 / 56 | | |
| Liquidity & Funding |
| Loans / Deposits | 85.17% | 52.28% | 65.96% | 76.17% | 86th pctl | 8 / 56 | | |
| Loans / Assets | 75.23% | 45.34% | 56.55% | 67.04% | 88th pctl | 7 / 56 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |