Baraga County
Lanse, MI · Charter 7672 · Peer group: credit unions under $1B in assets in MI (n=56)
NCUA · 1 branch
Q2 2026
$63.1MAssets
$20.4MLoans
$57.3MShares
$6.6MNet Worth
Executive Summary
- Strongest standing: return on equity outperforms 77% of credit unions under $1B in assets in MI (rank 13 of 56).
- Widest gap: net interest margin trails 93% of credit unions under $1B in assets in MI (rank 52 of 56).
- Overall: at or above the peer median on 4 of 7 directional measures.
Return on Assets
1.22%
Rank 26 of 56
Net Interest Margin
3.01%
Rank 52 of 56
Efficiency Ratio
66.56%
Rank 16 of 56
Equity / Assets
10.48%
Rank 37 of 56
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.22% | 0.74% | 1.15% | 1.47% | Beats 54% | 26 / 56 | |
| Return on Equity | 11.65% | 6.40% | 9.29% | 11.51% | Beats 77% | 13 / 56 | |
| Net Interest Margin | 3.01% | 3.40% | 3.92% | 4.36% | Beats 7% | 52 / 56 | |
| Efficiency Ratio | 66.56% | 65.99% | 72.16% | 78.25% | Beats 73% | 16 / 56 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.49% | 0.49% | 0.84% | 1.28% | Beats 75% | 15 / 56 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 10.48% | 10.20% | 12.14% | 14.32% | Beats 34% | 37 / 56 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 10.48% | 10.20% | 12.14% | 14.32% | Beats 34% | 37 / 56 | |
| Liquidity & Funding |
| Loans / Deposits | 35.55% | 52.28% | 65.96% | 76.17% | 5th pctl | 53 / 56 | |
| Loans / Assets | 32.29% | 45.34% | 56.55% | 67.04% | 7th pctl | 52 / 56 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |