Consumers
Oshtemo, MI · Charter 62172 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 33 branches
Q2 2026
$2.9BAssets
$2.5BLoans
$2.4BShares
$270.7MNet Worth
Executive Summary
- Strongest standing: return on equity outperforms 94% of credit unions $1B-$10B in assets (rank 26 of 435).
- Widest gap: equity / assets trails 83% of credit unions $1B-$10B in assets (rank 361 of 435).
- Overall: at or above the peer median on 4 of 7 directional measures.
Return on Assets
1.21%
Rank 86 of 435
Net Interest Margin
3.02%
Rank 325 of 435
Efficiency Ratio
69.96%
Rank 193 of 435
Equity / Assets
9.36%
Rank 361 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.21% | 0.55% | 0.81% | 1.14% | Beats 80% | 86 / 435 | |
| Return on Equity | 12.87% | 5.12% | 7.41% | 9.70% | Beats 94% | 26 / 435 | |
| Net Interest Margin | 3.02% | 3.01% | 3.39% | 3.75% | Beats 25% | 325 / 435 | |
| Efficiency Ratio | 69.96% | 65.25% | 71.39% | 77.86% | Beats 56% | 193 / 435 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.40% | 0.45% | 0.69% | 1.05% | Beats 80% | 88 / 435 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 9.36% | 9.81% | 10.84% | 12.63% | Beats 17% | 361 / 435 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 9.36% | 9.81% | 10.84% | 12.63% | Beats 17% | 361 / 435 | |
| Liquidity & Funding |
| Loans / Deposits | 106.37% | 78.33% | 88.38% | 95.61% | 96th pctl | 18 / 435 | |
| Loans / Assets | 86.98% | 67.69% | 74.58% | 80.80% | 94th pctl | 25 / 435 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |