Southeast Michigan State Employees

Performance vs peers

Percentile rank within the Small ($50M–$250M) peer group (1,262 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets

$51.1M

1^th percentile

Members

3,222

6^th percentile

Total loans

$8.2M

0^th percentile

Total shares

$45.4M

4^th percentile

Profitability

Return on assets

1.90%

90^th percentile

Net interest margin

4.17%

78^th percentile

Efficiency ratio

63.01%

50^th percentile

Non-interest income ratio

25.63%

85^th percentile

Capital & Risk

Net worth ratio

11.60%

42^th percentile

Delinquency rate

3.89%

2^th percentile

Net charge-off rate

1.29%

7^th percentile

Loan-to-share

18.10%

1^th percentile

Growth

Member growth YoY

-6.72%

7^th percentile

Asset growth YoY

2.95%

42^th percentile

Loan growth YoY

-2.08%

31^th percentile

Share growth YoY

1.17%

31^th percentile

Operations

Members / branch

3,222

52^th percentile

Assets / member

$15,863

62^th percentile

Field of membership penetration

64.44%

94^th percentile

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