T R W Michigan Employees
Sterling Hgts, MI · Charter 7927 · Peer group: credit unions under $1B in assets in MI (n=63)
NCUA · 1 branch
Q3 2024
$74.9MAssets
$42.7MLoans
$70.8MShares
$3.7MNet Worth
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 29% of credit unions under $1B in assets in MI (rank 46 of 63).
- Widest gap: equity / assets trails 100% of credit unions under $1B in assets in MI (rank 63 of 63).
- Overall: at or above the peer median on 0 of 7 directional measures.
Return on Assets
-2.49%
Rank 63 of 63
Net Interest Margin
1.64%
Rank 63 of 63
Efficiency Ratio
141.46%
Rank 63 of 63
Equity / Assets
4.91%
Rank 63 of 63
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | -2.49% | 0.37% | 0.70% | 1.33% | Beats 0% | 63 / 63 | |
| Return on Equity | -50.59% | 3.23% | 6.03% | 11.19% | Beats 0% | 63 / 63 | |
| Net Interest Margin | 1.64% | 2.84% | 3.38% | 4.12% | Beats 0% | 63 / 63 | |
| Efficiency Ratio | 141.46% | 66.16% | 75.56% | 86.49% | Beats 2% | 63 / 63 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.99% | 0.35% | 0.71% | 1.01% | Beats 29% | 46 / 63 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 4.91% | 9.57% | 11.27% | 13.59% | Beats 0% | 63 / 63 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 4.91% | 9.57% | 11.27% | 13.60% | Beats 0% | 63 / 63 | |
| Liquidity & Funding |
| Loans / Deposits | 60.31% | 55.52% | 66.05% | 75.03% | 35th pctl | 41 / 63 | |
| Loans / Assets | 57.00% | 46.77% | 58.30% | 67.45% | 44th pctl | 35 / 63 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |