Michigan Schools and Government

Clinton Townshi, MI · 2 · Charter #62049 · www.msgcu.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
$4.3B
79th percentile
Members
161,135
65th percentile
Total loans
$3.7B
85th percentile
Total shares
$3.5B
80th percentile

Profitability

Return on assets
1.25%
68th percentile
Net interest margin
2.65%
20th percentile
Efficiency ratio
36.56%
93th percentile
Non-interest income ratio
14.63%
24th percentile

Capital & Risk

Net worth ratio
12.25%
74th percentile
Delinquency rate
0.64%
59th percentile
Net charge-off rate
0.24%
82th percentile
Loan-to-share
103.91%
88th percentile

Growth

Member growth YoY
5.46%
80th percentile
Asset growth YoY
9.92%
80th percentile
Loan growth YoY
9.13%
73th percentile
Share growth YoY
9.59%
79th percentile

Operations

Members / branch
5,556
24th percentile
Assets / member
$26,570
90th percentile
Field of membership penetration
8.06%
62th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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