Ann Arbor Postal
Ann Arbor, MI · Charter 7126 · Peer group: credit unions under $1B in assets (n=1,656-1,659)
NCUA · 1 branch
Q2 2025
$419KAssets
$152KLoans
$178KShares
$241KNet Worth
Executive Summary
- Strongest standing: tier 1 capital ratio outperforms 100% of credit unions under $1B in assets (rank 5 of 1659).
- Widest gap: efficiency ratio trails 99% of credit unions under $1B in assets (rank 1648 of 1656).
- Overall: at or above the peer median on 2 of 7 directional measures.
Return on Assets
-2.86%
Rank 1,641 of 1,659
Net Interest Margin
3.34%
Rank 1,150 of 1,658
Efficiency Ratio
185.71%
Rank 1,648 of 1,656
Equity / Assets
57.52%
Rank 4 of 1,658
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | -2.86% | 0.35% | 0.78% | 1.25% | Beats 1% | 1,641 / 1,659 | |
| Return on Equity | -4.98% | 2.75% | 6.06% | 9.41% | Beats 5% | 1,575 / 1,657 | |
| Net Interest Margin | 3.34% | 3.20% | 3.76% | 4.33% | Beats 31% | 1,150 / 1,658 | |
| Efficiency Ratio | 185.71% | 67.69% | 77.34% | 85.79% | Beats 1% | 1,648 / 1,656 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.97% | 0.24% | 0.65% | 1.35% | Beats 13% | 1,440 / 1,657 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 57.45% | 10.20% | 12.57% | 16.16% | Beats 100% | 5 / 1,659 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 57.52% | 10.20% | 12.57% | 16.15% | Beats 100% | 4 / 1,658 | |
| Liquidity & Funding |
| Loans / Deposits | 85.38% | 54.91% | 71.55% | 84.72% | 76th pctl | 394 / 1,658 | |
| Loans / Assets | 36.28% | 46.17% | 60.56% | 71.91% | 12th pctl | 1,454 / 1,658 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |