Embers
Marquette, MI · Charter 62038 · Peer group: credit unions under $1B in assets in MI (n=56)
NCUA · 8 branches
Q2 2026
$621.8MAssets
$409.0MLoans
$544.3MShares
$75.0MNet Worth
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 66% of credit unions under $1B in assets in MI (rank 20 of 56).
- Widest gap: net interest margin trails 68% of credit unions under $1B in assets in MI (rank 38 of 56).
- Overall: at or above the peer median on 1 of 7 directional measures.
Return on Assets
1.06%
Rank 33 of 56
Net Interest Margin
3.59%
Rank 38 of 56
Efficiency Ratio
73.94%
Rank 34 of 56
Equity / Assets
12.07%
Rank 29 of 56
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.06% | 0.74% | 1.15% | 1.47% | Beats 41% | 33 / 56 | | |
| Return on Equity | 8.79% | 6.40% | 9.29% | 11.51% | Beats 45% | 31 / 56 | | |
| Net Interest Margin | 3.59% | 3.40% | 3.92% | 4.36% | Beats 32% | 38 / 56 | | |
| Efficiency Ratio | 73.94% | 65.99% | 72.16% | 78.25% | Beats 41% | 34 / 56 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.64% | 0.49% | 0.84% | 1.28% | Beats 66% | 20 / 56 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 12.07% | 10.20% | 12.14% | 14.32% | Beats 48% | 29 / 56 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 12.07% | 10.20% | 12.14% | 14.32% | Beats 48% | 29 / 56 | | |
| Liquidity & Funding |
| Loans / Deposits | 75.14% | 52.28% | 65.96% | 76.17% | 71st pctl | 16 / 56 | | |
| Loans / Assets | 65.77% | 45.34% | 56.55% | 67.04% | 71st pctl | 16 / 56 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |