Christian Financial

Sterling Height, MI · 2 · Charter #63805 · www.christianfinancialcu.or
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
$1.1B
7th percentile
Members
61,650
11th percentile
Total loans
$785.2M
10th percentile
Total shares
$961.2M
12th percentile

Profitability

Return on assets
0.64%
24th percentile
Net interest margin
2.68%
21th percentile
Efficiency ratio
60.35%
16th percentile
Non-interest income ratio
25.39%
87th percentile

Capital & Risk

Net worth ratio
9.86%
29th percentile
Delinquency rate
0.31%
88th percentile
Net charge-off rate
0.19%
87th percentile
Loan-to-share
81.69%
32th percentile

Growth

Member growth YoY
10.71%
94th percentile
Asset growth YoY
21.21%
96th percentile
Loan growth YoY
19.05%
95th percentile
Share growth YoY
22.34%
96th percentile

Operations

Members / branch
5,138
18th percentile
Assets / member
$17,720
49th percentile
Field of membership penetration
1.94%
19th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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