Members Advantage
Michigan City, IN · Charter 68242 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 3 branches
Q2 2026
$132.2MAssets
$51.5MLoans
$120.5MShares
$12.5MNet Worth
Executive Summary
- Strongest standing: return on equity outperforms 41% of credit unions under $1B in assets (rank 988 of 1681).
- Widest gap: net interest margin trails 89% of credit unions under $1B in assets (rank 1495 of 1683).
- Overall: at or above the peer median on 0 of 7 directional measures.
Return on Assets
0.44%
Rank 1,189 of 1,683
Net Interest Margin
2.91%
Rank 1,495 of 1,683
Efficiency Ratio
86.93%
Rank 1,262 of 1,682
Equity / Assets
9.47%
Rank 1,430 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.44% | 0.35% | 0.74% | 1.18% | Beats 29% | 1,189 / 1,683 | | |
| Return on Equity | 4.68% | 2.67% | 5.89% | 8.74% | Beats 41% | 988 / 1,681 | | |
| Net Interest Margin | 2.91% | 3.31% | 3.82% | 4.32% | Beats 11% | 1,495 / 1,683 | | |
| Efficiency Ratio | 86.93% | 68.91% | 78.20% | 86.93% | Beats 25% | 1,262 / 1,682 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.23% | 0.26% | 0.65% | 1.29% | Beats 26% | 1,242 / 1,682 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 9.47% | 10.44% | 12.89% | 16.53% | Beats 15% | 1,430 / 1,683 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 9.47% | 10.44% | 12.89% | 16.53% | Beats 15% | 1,430 / 1,683 | | |
| Liquidity & Funding |
| Loans / Deposits | 42.77% | 52.61% | 69.38% | 83.50% | 14th pctl | 1,451 / 1,683 | | |
| Loans / Assets | 38.97% | 44.71% | 59.18% | 70.72% | 17th pctl | 1,393 / 1,683 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |