Michigan Legacy

Wyandotte, MI · 2 · Charter #62642 · www.michiganlegacycu.org
Small ($50M–$250M)Reporting period: Q4 2025Peer group: 1,262 CUs

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
$213.0M
92th percentile
Members
18,772
97th percentile
Total loans
$143.3M
94th percentile
Total shares
$185.5M
93th percentile

Profitability

Return on assets
0.97%
46th percentile
Net interest margin
3.88%
63th percentile
Efficiency ratio
77.83%
10th percentile
Non-interest income ratio
32.03%
95th percentile

Capital & Risk

Net worth ratio
12.98%
60th percentile
Delinquency rate
0.71%
50th percentile
Net charge-off rate
0.67%
20th percentile
Loan-to-share
77.27%
66th percentile

Growth

Member growth YoY
-7.68%
5th percentile
Asset growth YoY
1.64%
31th percentile
Loan growth YoY
-0.38%
39th percentile
Share growth YoY
1.29%
32th percentile

Operations

Members / branch
3,754
65th percentile
Assets / member
$11,345
23th percentile
Field of membership penetration
0.19%
1th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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