Awakon
Onaway, MI · Charter 7465 · Peer group: credit unions under $1B in assets in MI (n=56)
NCUA · 6 branches
Q2 2026
$202.7MAssets
$138.4MLoans
$172.4MShares
$27.5MNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 91% of credit unions under $1B in assets in MI (rank 5 of 56).
- Widest gap: nonperforming loans / loans trails 86% of credit unions under $1B in assets in MI (rank 49 of 56).
- Overall: at or above the peer median on 6 of 7 directional measures.
Return on Assets
1.47%
Rank 14 of 56
Net Interest Margin
4.70%
Rank 5 of 56
Efficiency Ratio
70.86%
Rank 26 of 56
Equity / Assets
13.54%
Rank 21 of 56
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.47% | 0.74% | 1.15% | 1.47% | Beats 75% | 14 / 56 | | |
| Return on Equity | 10.85% | 6.40% | 9.29% | 11.51% | Beats 70% | 17 / 56 | | |
| Net Interest Margin | 4.70% | 3.40% | 3.92% | 4.36% | Beats 91% | 5 / 56 | | |
| Efficiency Ratio | 70.86% | 65.99% | 72.16% | 78.25% | Beats 55% | 26 / 56 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.86% | 0.49% | 0.84% | 1.28% | Beats 14% | 49 / 56 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 13.54% | 10.20% | 12.14% | 14.32% | Beats 63% | 21 / 56 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 13.54% | 10.20% | 12.14% | 14.32% | Beats 63% | 21 / 56 | | |
| Liquidity & Funding |
| Loans / Deposits | 80.28% | 52.28% | 65.96% | 76.17% | 80th pctl | 11 / 56 | | |
| Loans / Assets | 68.26% | 45.34% | 56.55% | 67.04% | 79th pctl | 12 / 56 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |