Soo Co-op
Sault Sainte Ma, MI · Charter 62325 · Peer group: credit unions under $1B in assets in MI (n=56)
NCUA · 6 branches
Q2 2026
$324.4MAssets
$182.4MLoans
$281.4MShares
$44.4MNet Worth
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 84% of credit unions under $1B in assets in MI (rank 10 of 56).
- Widest gap: net interest margin trails 59% of credit unions under $1B in assets in MI (rank 33 of 56).
- Overall: at or above the peer median on 6 of 7 directional measures.
Return on Assets
1.41%
Rank 15 of 56
Net Interest Margin
3.74%
Rank 33 of 56
Efficiency Ratio
69.89%
Rank 23 of 56
Equity / Assets
13.67%
Rank 18 of 56
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.41% | 0.74% | 1.15% | 1.47% | Beats 73% | 15 / 56 | |
| Return on Equity | 10.30% | 6.40% | 9.29% | 11.51% | Beats 64% | 20 / 56 | |
| Net Interest Margin | 3.74% | 3.40% | 3.92% | 4.36% | Beats 41% | 33 / 56 | |
| Efficiency Ratio | 69.89% | 65.99% | 72.16% | 78.25% | Beats 61% | 23 / 56 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.32% | 0.49% | 0.84% | 1.28% | Beats 84% | 10 / 56 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 13.67% | 10.20% | 12.14% | 14.32% | Beats 68% | 18 / 56 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 13.67% | 10.20% | 12.14% | 14.32% | Beats 68% | 18 / 56 | |
| Liquidity & Funding |
| Loans / Deposits | 64.81% | 52.28% | 65.96% | 76.17% | 48th pctl | 29 / 56 | |
| Loans / Assets | 56.22% | 45.34% | 56.55% | 67.04% | 48th pctl | 29 / 56 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |