Michigan Coastal

Performance vs peers

Percentile rank within the Micro (<$50M) peer group (1,972 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets

$26.4M

72^th percentile

Members

2,446

76^th percentile

Total loans

$23.4M

93^th percentile

Total shares

$20.0M

68^th percentile

Profitability

Return on assets

0.95%

57^th percentile

Net interest margin

4.47%

68^th percentile

Efficiency ratio

64.05%

56^th percentile

Non-interest income ratio

22.28%

87^th percentile

Capital & Risk

Net worth ratio

8.08%

5^th percentile

Delinquency rate

1.80%

27^th percentile

Net charge-off rate

0.96%

18^th percentile

Loan-to-share

117.03%

98^th percentile

Growth

Member growth YoY

-4.90%

18^th percentile

Asset growth YoY

-4.72%

17^th percentile

Loan growth YoY

-3.24%

49^th percentile

Share growth YoY

-0.25%

45^th percentile

Operations

Members / branch

1,223

55^th percentile

Assets / member

$10,783

63^th percentile

Field of membership penetration

0.15%

1^th percentile

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