Members First
Midland, MI · Charter 62076 · Peer group: credit unions under $1B in assets in MI (n=56)
NCUA · 11 branches
Q2 2026
$905.4MAssets
$644.0MLoans
$779.5MShares
$83.4MNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 68% of credit unions under $1B in assets in MI (rank 18 of 56).
- Widest gap: equity / assets trails 93% of credit unions under $1B in assets in MI (rank 52 of 56).
- Overall: at or above the peer median on 2 of 7 directional measures.
Return on Assets
0.72%
Rank 45 of 56
Net Interest Margin
4.15%
Rank 18 of 56
Efficiency Ratio
75.12%
Rank 36 of 56
Equity / Assets
9.21%
Rank 52 of 56
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.72% | 0.74% | 1.15% | 1.47% | Beats 20% | 45 / 56 | |
| Return on Equity | 7.78% | 6.40% | 9.29% | 11.51% | Beats 36% | 36 / 56 | |
| Net Interest Margin | 4.15% | 3.40% | 3.92% | 4.36% | Beats 68% | 18 / 56 | |
| Efficiency Ratio | 75.12% | 65.99% | 72.16% | 78.25% | Beats 37% | 36 / 56 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.65% | 0.49% | 0.84% | 1.28% | Beats 64% | 21 / 56 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 9.21% | 10.20% | 12.14% | 14.32% | Beats 7% | 52 / 56 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 9.21% | 10.20% | 12.14% | 14.32% | Beats 7% | 52 / 56 | |
| Liquidity & Funding |
| Loans / Deposits | 82.61% | 52.28% | 65.96% | 76.17% | 82nd pctl | 10 / 56 | |
| Loans / Assets | 71.12% | 45.34% | 56.55% | 67.04% | 82nd pctl | 10 / 56 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |