Ignite
Battle Creek, MI · Charter 62072 · Peer group: credit unions under $1B in assets in MI (n=56)
NCUA · 10 branches
Q2 2026
$379.9MAssets
$293.3MLoans
$336.7MShares
$38.3MNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 73% of credit unions under $1B in assets in MI (rank 15 of 56).
- Widest gap: return on equity trails 98% of credit unions under $1B in assets in MI (rank 55 of 56).
- Overall: at or above the peer median on 1 of 7 directional measures.
Return on Assets
0.02%
Rank 55 of 56
Net Interest Margin
4.36%
Rank 15 of 56
Efficiency Ratio
96.52%
Rank 55 of 56
Equity / Assets
10.07%
Rank 45 of 56
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.02% | 0.74% | 1.15% | 1.47% | Beats 2% | 55 / 56 | | |
| Return on Equity | 0.16% | 6.40% | 9.29% | 11.51% | Beats 2% | 55 / 56 | | |
| Net Interest Margin | 4.36% | 3.40% | 3.92% | 4.36% | Beats 73% | 15 / 56 | | |
| Efficiency Ratio | 96.52% | 65.99% | 72.16% | 78.25% | Beats 4% | 55 / 56 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.08% | 0.49% | 0.84% | 1.28% | Beats 32% | 39 / 56 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 10.07% | 10.20% | 12.14% | 14.32% | Beats 20% | 45 / 56 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 10.07% | 10.20% | 12.14% | 14.32% | Beats 20% | 45 / 56 | | |
| Liquidity & Funding |
| Loans / Deposits | 87.13% | 52.28% | 65.96% | 76.17% | 89th pctl | 6 / 56 | | |
| Loans / Assets | 77.20% | 45.34% | 56.55% | 67.04% | 93rd pctl | 4 / 56 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |