Honor
Berrien Springs, MI · Charter 63004 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 29 branches
Q2 2026
$1.9BAssets
$1.4BLoans
$1.6BShares
$229.0MNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 91% of credit unions $1B-$10B in assets (rank 38 of 435).
- Widest gap: efficiency ratio trails 81% of credit unions $1B-$10B in assets (rank 352 of 435).
- Overall: at or above the peer median on 4 of 7 directional measures.
Return on Assets
0.87%
Rank 193 of 435
Net Interest Margin
4.11%
Rank 38 of 435
Efficiency Ratio
79.14%
Rank 352 of 435
Equity / Assets
12.16%
Rank 134 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.87% | 0.55% | 0.81% | 1.14% | Beats 56% | 193 / 435 | | |
| Return on Equity | 7.13% | 5.12% | 7.41% | 9.70% | Beats 46% | 233 / 435 | | |
| Net Interest Margin | 4.11% | 3.01% | 3.39% | 3.75% | Beats 91% | 38 / 435 | | |
| Efficiency Ratio | 79.14% | 65.25% | 71.39% | 77.86% | Beats 19% | 352 / 435 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.92% | 0.45% | 0.69% | 1.05% | Beats 32% | 296 / 435 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 12.16% | 9.81% | 10.84% | 12.63% | Beats 69% | 134 / 435 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 12.16% | 9.81% | 10.84% | 12.63% | Beats 69% | 134 / 435 | | |
| Liquidity & Funding |
| Loans / Deposits | 84.82% | 78.33% | 88.38% | 95.61% | 40th pctl | 262 / 435 | | |
| Loans / Assets | 73.11% | 67.69% | 74.58% | 80.80% | 43rd pctl | 246 / 435 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |