Michigan Schools and Government
Clinton Townshi, MI · Charter 62049 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 24 branches
Q2 2026
$4.4BAssets
$3.8BLoans
$3.7BShares
$556.9MNet Worth
Executive Summary
- Strongest standing: efficiency ratio outperforms 94% of credit unions $1B-$10B in assets (rank 25 of 435).
- Widest gap: net interest margin trails 81% of credit unions $1B-$10B in assets (rank 353 of 435).
- Overall: at or above the peer median on 6 of 7 directional measures.
Return on Assets
1.47%
Rank 40 of 435
Net Interest Margin
2.92%
Rank 353 of 435
Efficiency Ratio
54.70%
Rank 25 of 435
Equity / Assets
12.63%
Rank 110 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.47% | 0.55% | 0.81% | 1.14% | Beats 91% | 40 / 435 | |
| Return on Equity | 11.60% | 5.12% | 7.41% | 9.70% | Beats 88% | 53 / 435 | |
| Net Interest Margin | 2.92% | 3.01% | 3.39% | 3.75% | Beats 19% | 353 / 435 | |
| Efficiency Ratio | 54.70% | 65.25% | 71.39% | 77.86% | Beats 94% | 25 / 435 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.61% | 0.45% | 0.69% | 1.05% | Beats 58% | 184 / 435 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 12.63% | 9.81% | 10.84% | 12.63% | Beats 75% | 110 / 435 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 12.63% | 9.81% | 10.84% | 12.63% | Beats 75% | 110 / 435 | |
| Liquidity & Funding |
| Loans / Deposits | 103.02% | 78.33% | 88.38% | 95.61% | 91st pctl | 39 / 435 | |
| Loans / Assets | 86.23% | 67.69% | 74.58% | 80.80% | 93rd pctl | 32 / 435 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |