The Local Sterling Height, MI · Charter 63342 · Peer group: credit unions under $1B in assets in the Detroit-Warren-Dearborn, MI area (n=38)
NCUA · 1 branch
Q2 2026
$106.6M Assets
$42.0M Loans
$89.9M Shares
$17.1M Net Worth
Executive Summary Strongest standing: nonperforming loans / loans outperforms 89% of credit unions under $1B in assets in the Detroit-Warren-Dearborn, MI area (rank 5 of 38). Widest gap: net interest margin trails 37% of credit unions under $1B in assets in the Detroit-Warren-Dearborn, MI area (rank 14 of 38). Overall: at or above the peer median on 7 of 7 directional measures. Return on Assets
1.35%
Rank 7 of 38
Net Interest Margin
3.83%
Rank 14 of 38
Efficiency Ratio
74.72%
Rank 13 of 38
Equity / Assets
16.07%
Rank 8 of 38
Metric Your Credit Union Peer 25th Peer Median Peer 75th Standing Rank 8-Qtr Trend Peer Position Earnings Return on Assets 1.35% 0.49% 0.78% 1.16% Beats 82% 7 / 38 Return on Equity 8.40% 3.91% 6.52% 8.43% Beats 71% 11 / 38 Net Interest Margin 3.83% 3.41% 3.65% 4.18% Beats 63% 14 / 38 Efficiency Ratio 74.72% 72.88% 78.35% 82.40% Beats 68% 13 / 38 Asset Quality Nonperforming Loans / Loans 0.26% 0.36% 0.84% 1.47% Beats 89% 5 / 38 Net Charge-Offs / Loans n/a Not reported for this institution Capital Tier 1 Capital Ratio 16.07% 11.22% 12.45% 15.29% Beats 79% 8 / 38 Total Risk-Based Capital Ratio n/a Not reported for this institution Equity / Assets 16.07% 11.22% 12.45% 15.29% Beats 79% 8 / 38 Liquidity & Funding Loans / Deposits 46.68% 38.40% 54.78% 75.62% 39th pctl 23 / 38 Loans / Assets 39.38% 32.99% 45.72% 63.66% 34th pctl 25 / 38 Brokered Deposits / Deposits n/a Not reported for this institution
Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Peer statistics computed across credit unions under $1B in assets in the Detroit-Warren-Dearborn, MI area; percentile is the share of peers with a lower reported value. Each ratio is ranked only among the institutions that reported it, so the denominator in the Rank column varies by measure. Income-statement figures on this page are year-to-date as filed, annualized, because the peer percentiles are computed on that basis. Performance Trends defaults to the discrete quarter, so the same measure can read differently there in any quarter but the first, where year-to-date and the quarter cover the same period. Peer comparisons use ratios standardized identically across all institutions and can differ from as-filed figures. Subchapter S banks are restated to an after-tax equivalent at 21.50%, the median effective tax rate of the 2,758 C-corporation banks filing for this quarter. The rate is recomputed each quarter, and C-corporation figures are unchanged. Peer groups below the disclosure floor are suppressed.
CallReports · callreports.ai · Peer Comparison Generated 2026-10-11