Financial Plus
Flint, MI · Charter 68646 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 12 branches
Q2 2026
$1.7BAssets
$1.2BLoans
$1.4BShares
$195.5MNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 90% of credit unions $1B-$10B in assets (rank 44 of 435).
- Widest gap: return on equity trails 47% of credit unions $1B-$10B in assets (rank 206 of 435).
- Overall: at or above the peer median on 7 of 7 directional measures.
Return on Assets
0.90%
Rank 179 of 435
Net Interest Margin
4.08%
Rank 44 of 435
Efficiency Ratio
68.58%
Rank 171 of 435
Equity / Assets
11.71%
Rank 157 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.90% | 0.55% | 0.81% | 1.14% | Beats 59% | 179 / 435 | | |
| Return on Equity | 7.66% | 5.12% | 7.41% | 9.70% | Beats 53% | 206 / 435 | | |
| Net Interest Margin | 4.08% | 3.01% | 3.39% | 3.75% | Beats 90% | 44 / 435 | | |
| Efficiency Ratio | 68.58% | 65.25% | 71.39% | 77.86% | Beats 61% | 171 / 435 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.48% | 0.45% | 0.69% | 1.05% | Beats 71% | 129 / 435 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 11.71% | 9.81% | 10.84% | 12.63% | Beats 64% | 157 / 435 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 11.71% | 9.81% | 10.84% | 12.63% | Beats 64% | 157 / 435 | | |
| Liquidity & Funding |
| Loans / Deposits | 89.56% | 78.33% | 88.38% | 95.61% | 55th pctl | 197 / 435 | | |
| Loans / Assets | 72.99% | 67.69% | 74.58% | 80.80% | 43rd pctl | 248 / 435 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |