U.P. State
Escanaba, MI · Charter 62085 · Peer group: credit unions under $1B in assets in MI (n=56)
NCUA · 6 branches
Q2 2026
$210.3MAssets
$138.3MLoans
$181.5MShares
$27.7MNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 86% of credit unions under $1B in assets in MI (rank 8 of 56).
- Widest gap: nonperforming loans / loans trails 70% of credit unions under $1B in assets in MI (rank 40 of 56).
- Overall: at or above the peer median on 6 of 7 directional measures.
Return on Assets
1.66%
Rank 10 of 56
Net Interest Margin
4.63%
Rank 8 of 56
Efficiency Ratio
68.60%
Rank 18 of 56
Equity / Assets
13.17%
Rank 24 of 56
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.66% | 0.74% | 1.15% | 1.47% | Beats 82% | 10 / 56 | |
| Return on Equity | 12.62% | 6.40% | 9.29% | 11.51% | Beats 84% | 9 / 56 | |
| Net Interest Margin | 4.63% | 3.40% | 3.92% | 4.36% | Beats 86% | 8 / 56 | |
| Efficiency Ratio | 68.60% | 65.99% | 72.16% | 78.25% | Beats 70% | 18 / 56 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.10% | 0.49% | 0.84% | 1.28% | Beats 30% | 40 / 56 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 13.17% | 10.20% | 12.14% | 14.32% | Beats 57% | 24 / 56 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 13.17% | 10.20% | 12.14% | 14.32% | Beats 57% | 24 / 56 | |
| Liquidity & Funding |
| Loans / Deposits | 76.17% | 52.28% | 65.96% | 76.17% | 75th pctl | 14 / 56 | |
| Loans / Assets | 65.75% | 45.34% | 56.55% | 67.04% | 70th pctl | 17 / 56 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |