Dow

Midland, MI · 2 · Charter #60137 · www.dowcreditunion.org
Mid ($1B–$10B)Reporting period: Q4 2025Peer group: 446 CUs

Performance vs peers

Percentile rank within the Mid ($1B–$10B) peer group (446 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$2.6B
58th percentile
Members
83,732
31th percentile
Total loans
$1.2B
42th percentile
Total shares
$2.3B
62th percentile

Profitability

Return on assets
0.97%
48th percentile
Net interest margin
1.99%
3th percentile
Efficiency ratio
29.58%
97th percentile
Non-interest income ratio
10.86%
9th percentile

Capital & Risk

Net worth ratio
9.97%
33th percentile
Delinquency rate
0.41%
81th percentile
Net charge-off rate
0.44%
58th percentile
Loan-to-share
54.86%
3th percentile

Growth

Member growth YoY
1.24%
37th percentile
Asset growth YoY
6.79%
61th percentile
Loan growth YoY
-3.03%
8th percentile
Share growth YoY
5.31%
49th percentile

Operations

Members / branch
41,866
99th percentile
Assets / member
$30,475
94th percentile
Field of membership penetration
0.83%
5th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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