Credit Union One
Ferndale, MI · Charter 62562 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 17 branches
Q2 2026
$1.8BAssets
$1.3BLoans
$1.6BShares
$204.7MNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 96% of credit unions $1B-$10B in assets (rank 18 of 435).
- Widest gap: efficiency ratio trails 57% of credit unions $1B-$10B in assets (rank 247 of 435).
- Overall: at or above the peer median on 6 of 7 directional measures.
Return on Assets
1.18%
Rank 90 of 435
Net Interest Margin
4.41%
Rank 18 of 435
Efficiency Ratio
73.25%
Rank 247 of 435
Equity / Assets
11.29%
Rank 182 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.18% | 0.55% | 0.81% | 1.14% | Beats 79% | 90 / 435 | | |
| Return on Equity | 10.48% | 5.12% | 7.41% | 9.70% | Beats 82% | 80 / 435 | | |
| Net Interest Margin | 4.41% | 3.01% | 3.39% | 3.75% | Beats 96% | 18 / 435 | | |
| Efficiency Ratio | 73.25% | 65.25% | 71.39% | 77.86% | Beats 43% | 247 / 435 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.42% | 0.45% | 0.69% | 1.05% | Beats 77% | 99 / 435 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 11.29% | 9.81% | 10.84% | 12.63% | Beats 58% | 182 / 435 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 11.29% | 9.81% | 10.84% | 12.63% | Beats 58% | 182 / 435 | | |
| Liquidity & Funding |
| Loans / Deposits | 82.49% | 78.33% | 88.38% | 95.61% | 34th pctl | 285 / 435 | | |
| Loans / Assets | 72.88% | 67.69% | 74.58% | 80.80% | 43rd pctl | 249 / 435 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |