Westacres
West Bloomfield, MI · Charter 62316 · Peer group: credit unions under $1B in assets in MI (n=56)
NCUA · 1 branch
Q2 2026
$7.1MAssets
$1.1MLoans
$6.0MShares
$954KNet Worth
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 100% of credit unions under $1B in assets in MI (rank 1 of 56).
- Widest gap: net interest margin trails 100% of credit unions under $1B in assets in MI (rank 56 of 56).
- Overall: at or above the peer median on 3 of 7 directional measures.
Return on Assets
0.28%
Rank 50 of 56
Net Interest Margin
1.64%
Rank 56 of 56
Efficiency Ratio
82.76%
Rank 49 of 56
Equity / Assets
13.47%
Rank 22 of 56
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.28% | 0.74% | 1.15% | 1.47% | Beats 11% | 50 / 56 | | |
| Return on Equity | 2.10% | 6.40% | 9.29% | 11.51% | Beats 11% | 50 / 56 | | |
| Net Interest Margin | 1.64% | 3.40% | 3.92% | 4.36% | Beats 0% | 56 / 56 | | |
| Efficiency Ratio | 82.76% | 65.99% | 72.16% | 78.25% | Beats 14% | 49 / 56 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.49% | 0.84% | 1.28% | Beats 100% | 1 / 56 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 13.47% | 10.20% | 12.14% | 14.32% | Beats 61% | 22 / 56 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 13.47% | 10.20% | 12.14% | 14.32% | Beats 61% | 22 / 56 | | |
| Liquidity & Funding |
| Loans / Deposits | 19.01% | 52.28% | 65.96% | 76.17% | 0th pctl | 56 / 56 | | |
| Loans / Assets | 16.13% | 45.34% | 56.55% | 67.04% | 0th pctl | 56 / 56 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |