Limestone Financial
Manistique, MI · Charter 68743 · Peer group: credit unions under $1B in assets in MI (n=56)
NCUA · 3 branches
Q2 2026
$83.1MAssets
$65.3MLoans
$73.1MShares
$8.9MNet Worth
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 73% of credit unions under $1B in assets in MI (rank 16 of 56).
- Widest gap: efficiency ratio trails 88% of credit unions under $1B in assets in MI (rank 50 of 56).
- Overall: at or above the peer median on 2 of 7 directional measures.
Return on Assets
0.51%
Rank 48 of 56
Net Interest Margin
4.09%
Rank 22 of 56
Efficiency Ratio
83.18%
Rank 50 of 56
Equity / Assets
10.73%
Rank 35 of 56
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.51% | 0.74% | 1.15% | 1.47% | Beats 14% | 48 / 56 | | |
| Return on Equity | 4.76% | 6.40% | 9.29% | 11.51% | Beats 16% | 47 / 56 | | |
| Net Interest Margin | 4.09% | 3.40% | 3.92% | 4.36% | Beats 61% | 22 / 56 | | |
| Efficiency Ratio | 83.18% | 65.99% | 72.16% | 78.25% | Beats 12% | 50 / 56 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.55% | 0.49% | 0.84% | 1.28% | Beats 73% | 16 / 56 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 10.73% | 10.20% | 12.14% | 14.32% | Beats 38% | 35 / 56 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 10.73% | 10.20% | 12.14% | 14.32% | Beats 38% | 35 / 56 | | |
| Liquidity & Funding |
| Loans / Deposits | 89.40% | 52.28% | 65.96% | 76.17% | 93rd pctl | 4 / 56 | | |
| Loans / Assets | 78.61% | 45.34% | 56.55% | 67.04% | 95th pctl | 3 / 56 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |