Christian Financial
Sterling Height, MI · Charter 63805 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 11 branches
Q2 2026
$1.1BAssets
$816.7MLoans
$984.0MShares
$111.0MNet Worth
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 75% of credit unions $1B-$10B in assets (rank 111 of 435).
- Widest gap: efficiency ratio trails 85% of credit unions $1B-$10B in assets (rank 369 of 435).
- Overall: at or above the peer median on 1 of 7 directional measures.
Return on Assets
0.70%
Rank 271 of 435
Net Interest Margin
3.08%
Rank 304 of 435
Efficiency Ratio
80.47%
Rank 369 of 435
Equity / Assets
9.93%
Rank 311 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.70% | 0.55% | 0.81% | 1.14% | Beats 38% | 271 / 435 | |
| Return on Equity | 7.04% | 5.12% | 7.41% | 9.70% | Beats 46% | 237 / 435 | |
| Net Interest Margin | 3.08% | 3.01% | 3.39% | 3.75% | Beats 30% | 304 / 435 | |
| Efficiency Ratio | 80.47% | 65.25% | 71.39% | 77.86% | Beats 15% | 369 / 435 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.46% | 0.45% | 0.69% | 1.05% | Beats 75% | 111 / 435 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 9.93% | 9.81% | 10.84% | 12.63% | Beats 29% | 311 / 435 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 9.93% | 9.81% | 10.84% | 12.63% | Beats 29% | 311 / 435 | |
| Liquidity & Funding |
| Loans / Deposits | 83.00% | 78.33% | 88.38% | 95.61% | 35th pctl | 282 / 435 | |
| Loans / Assets | 73.01% | 67.69% | 74.58% | 80.80% | 43rd pctl | 247 / 435 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |