Advantage One
Brownstown, MI · Charter 68679 · Peer group: credit unions under $1B in assets in the Detroit-Warren-Dearborn, MI area (n=38)
NCUA · 2 branches
Q2 2026
$268.1MAssets
$218.1MLoans
$237.1MShares
$31.6MNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 95% of credit unions under $1B in assets in the Detroit-Warren-Dearborn, MI area (rank 2 of 38).
- Widest gap: equity / assets trails 68% of credit unions under $1B in assets in the Detroit-Warren-Dearborn, MI area (rank 26 of 38).
- Overall: at or above the peer median on 5 of 7 directional measures.
Return on Assets
1.16%
Rank 10 of 38
Net Interest Margin
5.06%
Rank 2 of 38
Efficiency Ratio
68.35%
Rank 8 of 38
Equity / Assets
11.78%
Rank 26 of 38
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.16% | 0.49% | 0.78% | 1.16% | Beats 74% | 10 / 38 | | |
| Return on Equity | 9.83% | 3.91% | 6.52% | 8.43% | Beats 84% | 6 / 38 | | |
| Net Interest Margin | 5.06% | 3.41% | 3.65% | 4.18% | Beats 95% | 2 / 38 | | |
| Efficiency Ratio | 68.35% | 72.88% | 78.35% | 82.40% | Beats 82% | 8 / 38 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.84% | 0.36% | 0.84% | 1.47% | Beats 50% | 20 / 38 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 11.78% | 11.22% | 12.45% | 15.29% | Beats 32% | 26 / 38 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 11.78% | 11.22% | 12.45% | 15.29% | Beats 32% | 26 / 38 | | |
| Liquidity & Funding |
| Loans / Deposits | 91.97% | 38.40% | 54.78% | 75.62% | 95th pctl | 2 / 38 | | |
| Loans / Assets | 81.34% | 32.99% | 45.72% | 63.66% | 97th pctl | 1 / 38 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |