Michigan Educational

Plymouth, MI · 2 · Charter #60931 · www.michedcu.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
$1.1B
6th percentile
Members
47,814
2th percentile
Total loans
$481.6M
1th percentile
Total shares
$964.9M
13th percentile

Profitability

Return on assets
0.48%
17th percentile
Net interest margin
2.49%
12th percentile
Efficiency ratio
62.57%
11th percentile
Non-interest income ratio
10.43%
9th percentile

Capital & Risk

Net worth ratio
11.67%
66th percentile
Delinquency rate
0.30%
89th percentile
Net charge-off rate
0.13%
92th percentile
Loan-to-share
49.92%
2th percentile

Growth

Member growth YoY
-1.69%
14th percentile
Asset growth YoY
6.05%
54th percentile
Loan growth YoY
-0.27%
18th percentile
Share growth YoY
4.51%
40th percentile

Operations

Members / branch
7,969
53th percentile
Assets / member
$22,826
82th percentile
Field of membership penetration
4.78%
47th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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