Shore to Shore Community
Trenton, MI · Charter 8349 · Peer group: credit unions under $1B in assets in the Detroit-Warren-Dearborn, MI area (n=38)
NCUA · 2 branches
Q2 2026
$85.0MAssets
$28.5MLoans
$74.2MShares
$10.2MNet Worth
Executive Summary
- Strongest standing: return on equity outperforms 89% of credit unions under $1B in assets in the Detroit-Warren-Dearborn, MI area (rank 4 of 38).
- Widest gap: equity / assets trails 63% of credit unions under $1B in assets in the Detroit-Warren-Dearborn, MI area (rank 24 of 38).
- Overall: at or above the peer median on 5 of 7 directional measures.
Return on Assets
1.61%
Rank 5 of 38
Net Interest Margin
4.04%
Rank 11 of 38
Efficiency Ratio
67.56%
Rank 7 of 38
Equity / Assets
12.03%
Rank 24 of 38
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.61% | 0.49% | 0.78% | 1.16% | Beats 87% | 5 / 38 | |
| Return on Equity | 13.37% | 3.91% | 6.52% | 8.43% | Beats 89% | 4 / 38 | |
| Net Interest Margin | 4.04% | 3.41% | 3.65% | 4.18% | Beats 71% | 11 / 38 | |
| Efficiency Ratio | 67.56% | 72.88% | 78.35% | 82.40% | Beats 84% | 7 / 38 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.73% | 0.36% | 0.84% | 1.47% | Beats 55% | 18 / 38 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 12.03% | 11.22% | 12.45% | 15.29% | Beats 37% | 24 / 38 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 12.03% | 11.22% | 12.45% | 15.29% | Beats 37% | 24 / 38 | |
| Liquidity & Funding |
| Loans / Deposits | 38.40% | 38.40% | 54.78% | 75.62% | 24th pctl | 29 / 38 | |
| Loans / Assets | 33.51% | 32.99% | 45.72% | 63.66% | 26th pctl | 28 / 38 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |