Wolverine State
Alpena, MI · Charter 62203 · Peer group: credit unions under $1B in assets in MI (n=56)
NCUA · 5 branches
Q2 2026
$172.9MAssets
$116.4MLoans
$155.6MShares
$16.7MNet Worth
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 61% of credit unions under $1B in assets in MI (rank 23 of 56).
- Widest gap: return on equity trails 96% of credit unions under $1B in assets in MI (rank 54 of 56).
- Overall: at or above the peer median on 1 of 7 directional measures.
Return on Assets
0.11%
Rank 54 of 56
Net Interest Margin
3.66%
Rank 35 of 56
Efficiency Ratio
82.23%
Rank 47 of 56
Equity / Assets
9.64%
Rank 50 of 56
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.11% | 0.74% | 1.15% | 1.47% | Beats 4% | 54 / 56 | |
| Return on Equity | 1.18% | 6.40% | 9.29% | 11.51% | Beats 4% | 54 / 56 | |
| Net Interest Margin | 3.66% | 3.40% | 3.92% | 4.36% | Beats 38% | 35 / 56 | |
| Efficiency Ratio | 82.23% | 65.99% | 72.16% | 78.25% | Beats 18% | 47 / 56 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.71% | 0.49% | 0.84% | 1.28% | Beats 61% | 23 / 56 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 9.64% | 10.20% | 12.14% | 14.32% | Beats 11% | 50 / 56 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 9.64% | 10.20% | 12.14% | 14.32% | Beats 11% | 50 / 56 | |
| Liquidity & Funding |
| Loans / Deposits | 74.76% | 52.28% | 65.96% | 76.17% | 70th pctl | 17 / 56 | |
| Loans / Assets | 67.29% | 45.34% | 56.55% | 67.04% | 77th pctl | 13 / 56 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |