Filer
Manistee, MI · Charter 62010 · Peer group: credit unions under $1B in assets in MI (n=56)
NCUA · 4 branches
Q2 2026
$262.4MAssets
$157.7MLoans
$232.6MShares
$33.5MNet Worth
Executive Summary
- Strongest standing: efficiency ratio outperforms 79% of credit unions under $1B in assets in MI (rank 13 of 56).
- Widest gap: net interest margin trails 70% of credit unions under $1B in assets in MI (rank 39 of 56).
- Overall: at or above the peer median on 6 of 7 directional measures.
Return on Assets
1.26%
Rank 25 of 56
Net Interest Margin
3.52%
Rank 39 of 56
Efficiency Ratio
64.19%
Rank 13 of 56
Equity / Assets
12.76%
Rank 26 of 56
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.26% | 0.74% | 1.15% | 1.47% | Beats 55% | 25 / 56 | |
| Return on Equity | 9.85% | 6.40% | 9.29% | 11.51% | Beats 61% | 22 / 56 | |
| Net Interest Margin | 3.52% | 3.40% | 3.92% | 4.36% | Beats 30% | 39 / 56 | |
| Efficiency Ratio | 64.19% | 65.99% | 72.16% | 78.25% | Beats 79% | 13 / 56 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.84% | 0.49% | 0.84% | 1.28% | Beats 50% | 29 / 56 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 12.76% | 10.20% | 12.14% | 14.32% | Beats 54% | 26 / 56 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 12.76% | 10.20% | 12.14% | 14.32% | Beats 54% | 26 / 56 | |
| Liquidity & Funding |
| Loans / Deposits | 67.82% | 52.28% | 65.96% | 76.17% | 55th pctl | 25 / 56 | |
| Loans / Assets | 60.11% | 45.34% | 56.55% | 67.04% | 59th pctl | 23 / 56 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |