Auto-Owners Associates
Lansing, MI · Charter 62543 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
$43.8MAssets
$6.9MLoans
$35.4MShares
$8.2MNet Worth
Executive Summary
- Strongest standing: efficiency ratio outperforms 95% of credit unions under $1B in assets (rank 90 of 1682).
- Widest gap: net interest margin trails 71% of credit unions under $1B in assets (rank 1198 of 1683).
- Overall: at or above the peer median on 6 of 7 directional measures.
Return on Assets
1.73%
Rank 154 of 1,683
Net Interest Margin
3.40%
Rank 1,198 of 1,683
Efficiency Ratio
53.21%
Rank 90 of 1,682
Equity / Assets
18.62%
Rank 295 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.73% | 0.35% | 0.74% | 1.18% | Beats 91% | 154 / 1,683 | |
| Return on Equity | 9.27% | 2.67% | 5.89% | 8.74% | Beats 79% | 355 / 1,681 | |
| Net Interest Margin | 3.40% | 3.31% | 3.82% | 4.32% | Beats 29% | 1,198 / 1,683 | |
| Efficiency Ratio | 53.21% | 68.91% | 78.20% | 86.93% | Beats 95% | 90 / 1,682 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.24% | 0.26% | 0.65% | 1.29% | Beats 76% | 399 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 18.62% | 10.44% | 12.89% | 16.53% | Beats 82% | 295 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 18.62% | 10.44% | 12.89% | 16.53% | Beats 82% | 295 / 1,683 | |
| Liquidity & Funding |
| Loans / Deposits | 19.60% | 52.61% | 69.38% | 83.50% | 2nd pctl | 1,652 / 1,683 | |
| Loans / Assets | 15.84% | 44.71% | 59.18% | 70.72% | 2nd pctl | 1,651 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |