True Community
Jackson, MI · Charter 68718 · Peer group: credit unions under $1B in assets in MI (n=56)
NCUA · 15 branches
Q2 2026
$955.0MAssets
$724.6MLoans
$836.1MShares
$110.6MNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 98% of credit unions under $1B in assets in MI (rank 1 of 56).
- Widest gap: nonperforming loans / loans trails 79% of credit unions under $1B in assets in MI (rank 45 of 56).
- Overall: at or above the peer median on 3 of 7 directional measures.
Return on Assets
1.09%
Rank 32 of 56
Net Interest Margin
4.91%
Rank 1 of 56
Efficiency Ratio
69.73%
Rank 22 of 56
Equity / Assets
11.59%
Rank 32 of 56
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.09% | 0.74% | 1.15% | 1.47% | Beats 43% | 32 / 56 | | |
| Return on Equity | 9.40% | 6.40% | 9.29% | 11.51% | Beats 52% | 27 / 56 | | |
| Net Interest Margin | 4.91% | 3.40% | 3.92% | 4.36% | Beats 98% | 1 / 56 | | |
| Efficiency Ratio | 69.73% | 65.99% | 72.16% | 78.25% | Beats 62% | 22 / 56 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.59% | 0.49% | 0.84% | 1.28% | Beats 21% | 45 / 56 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 11.59% | 10.20% | 12.14% | 14.32% | Beats 43% | 32 / 56 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 11.59% | 10.20% | 12.14% | 14.32% | Beats 43% | 32 / 56 | | |
| Liquidity & Funding |
| Loans / Deposits | 86.66% | 52.28% | 65.96% | 76.17% | 88th pctl | 7 / 56 | | |
| Loans / Assets | 75.87% | 45.34% | 56.55% | 67.04% | 89th pctl | 6 / 56 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |