Team One
Saginaw, MI · Charter 62141 · Peer group: credit unions under $1B in assets in MI (n=56)
NCUA · 12 branches
Q2 2026
$765.9MAssets
$513.4MLoans
$680.5MShares
$75.6MNet Worth
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 68% of credit unions under $1B in assets in MI (rank 19 of 56).
- Widest gap: equity / assets trails 84% of credit unions under $1B in assets in MI (rank 47 of 56).
- Overall: at or above the peer median on 1 of 7 directional measures.
Return on Assets
0.78%
Rank 39 of 56
Net Interest Margin
3.78%
Rank 32 of 56
Efficiency Ratio
78.25%
Rank 43 of 56
Equity / Assets
9.88%
Rank 47 of 56
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.78% | 0.74% | 1.15% | 1.47% | Beats 30% | 39 / 56 | | |
| Return on Equity | 7.93% | 6.40% | 9.29% | 11.51% | Beats 39% | 34 / 56 | | |
| Net Interest Margin | 3.78% | 3.40% | 3.92% | 4.36% | Beats 43% | 32 / 56 | | |
| Efficiency Ratio | 78.25% | 65.99% | 72.16% | 78.25% | Beats 25% | 43 / 56 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.64% | 0.49% | 0.84% | 1.28% | Beats 68% | 19 / 56 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 9.88% | 10.20% | 12.14% | 14.32% | Beats 16% | 47 / 56 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 9.88% | 10.20% | 12.14% | 14.32% | Beats 16% | 47 / 56 | | |
| Liquidity & Funding |
| Loans / Deposits | 75.45% | 52.28% | 65.96% | 76.17% | 73rd pctl | 15 / 56 | | |
| Loans / Assets | 67.04% | 45.34% | 56.55% | 67.04% | 75th pctl | 14 / 56 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |