Detour Drummond Community
Drummond Island, MI · Charter 62344 · Peer group: credit unions under $1B in assets in MI (n=56)
NCUA · 2 branches
Q2 2026
$38.5MAssets
$17.5MLoans
$31.5MShares
$7.0MNet Worth
Executive Summary
- Strongest standing: tier 1 capital ratio outperforms 93% of credit unions under $1B in assets in MI (rank 4 of 56).
- Widest gap: nonperforming loans / loans trails 80% of credit unions under $1B in assets in MI (rank 46 of 56).
- Overall: at or above the peer median on 5 of 7 directional measures.
Return on Assets
1.17%
Rank 27 of 56
Net Interest Margin
4.21%
Rank 17 of 56
Efficiency Ratio
70.74%
Rank 25 of 56
Equity / Assets
18.05%
Rank 4 of 56
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.17% | 0.74% | 1.15% | 1.47% | Beats 52% | 27 / 56 | |
| Return on Equity | 6.50% | 6.40% | 9.29% | 11.51% | Beats 27% | 41 / 56 | |
| Net Interest Margin | 4.21% | 3.40% | 3.92% | 4.36% | Beats 70% | 17 / 56 | |
| Efficiency Ratio | 70.74% | 65.99% | 72.16% | 78.25% | Beats 57% | 25 / 56 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.59% | 0.49% | 0.84% | 1.28% | Beats 20% | 46 / 56 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 18.05% | 10.20% | 12.14% | 14.32% | Beats 93% | 4 / 56 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 18.05% | 10.20% | 12.14% | 14.32% | Beats 93% | 4 / 56 | |
| Liquidity & Funding |
| Loans / Deposits | 55.42% | 52.28% | 65.96% | 76.17% | 27th pctl | 41 / 56 | |
| Loans / Assets | 45.34% | 45.34% | 56.55% | 67.04% | 25th pctl | 42 / 56 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |