Michigan First

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

$1.5B

32^th percentile

Members

163,183

66^th percentile

Total loans

$1.1B

31^th percentile

Total shares

$1.0B

17^th percentile

Profitability

Return on assets

1.14%

61^th percentile

Net interest margin

4.37%

96^th percentile

Efficiency ratio

71.07%

1^th percentile

Non-interest income ratio

40.95%

100^th percentile

Capital & Risk

Net worth ratio

15.65%

95^th percentile

Delinquency rate

1.10%

23^th percentile

Net charge-off rate

1.02%

13^th percentile

Loan-to-share

102.78%

85^th percentile

Growth

Member growth YoY

-1.72%

14^th percentile

Asset growth YoY

0.55%

14^th percentile

Loan growth YoY

1.70%

28^th percentile

Share growth YoY

0.70%

13^th percentile

Operations

Members / branch

5,099

17^th percentile

Assets / member

$9,044

1^th percentile

Field of membership penetration

4.18%

42^th percentile

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