Wmcu

Grand Rapids, MI · 2 · Charter #62347 · www.WestMichiganCU.com
Community ($250M–$1B)Reporting period: Q4 2025Peer group: 673 CUs

Performance vs peers

Percentile rank within the Community ($250M–$1B) peer group (673 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$441.9M
49th percentile
Members
29,677
52th percentile
Total loans
$212.7M
25th percentile
Total shares
$360.5M
46th percentile

Profitability

Return on assets
1.41%
78th percentile
Net interest margin
4.18%
87th percentile
Efficiency ratio
68.52%
15th percentile
Non-interest income ratio
21.84%
68th percentile

Capital & Risk

Net worth ratio
17.27%
97th percentile
Delinquency rate
1.55%
10th percentile
Net charge-off rate
0.78%
19th percentile
Loan-to-share
59.01%
11th percentile

Growth

Member growth YoY
66.37%
100th percentile
Asset growth YoY
75.13%
100th percentile
Loan growth YoY
87.78%
100th percentile
Share growth YoY
80.68%
100th percentile

Operations

Members / branch
2,283
6th percentile
Assets / member
$14,891
38th percentile
Field of membership penetration
1.12%
17th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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