Montcalm Public Employees

EDMORE, MI · 2 · Charter #61999 · www.mpecreditunion.com
Micro (<$50M)Reporting period: Q4 2025Peer group: 1,972 CUs

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
$25.9M
71th percentile
Members
1,763
60th percentile
Total loans
$7.3M
55th percentile
Total shares
$21.6M
71th percentile

Profitability

Return on assets
1.37%
74th percentile
Net interest margin
3.12%
22th percentile
Efficiency ratio
46.85%
86th percentile
Non-interest income ratio
6.84%
40th percentile

Capital & Risk

Net worth ratio
16.82%
60th percentile
Delinquency rate
2.12%
23th percentile
Net charge-off rate
0.82%
21th percentile
Loan-to-share
33.65%
15th percentile

Growth

Member growth YoY
-3.87%
25th percentile
Asset growth YoY
7.44%
86th percentile
Loan growth YoY
-6.77%
34th percentile
Share growth YoY
7.53%
86th percentile

Operations

Members / branch
1,763
72th percentile
Assets / member
$14,708
84th percentile
Field of membership penetration
58.77%
76th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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