Muskegon St Joseph

MUSKEGON, MI · 1 · Charter #8141
Micro (<$50M)Reporting period: Q4 2025Peer group: 1,972 CUs

Performance vs peers

Percentile rank within the Micro (<$50M) peer group (1,972 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$13.4M
50th percentile
Members
1,323
47th percentile
Total loans
$8.4M
59th percentile
Total shares
$12.0M
52th percentile

Profitability

Return on assets
1.06%
62th percentile
Net interest margin
3.45%
32th percentile
Efficiency ratio
44.94%
88th percentile
Non-interest income ratio
3.05%
24th percentile

Capital & Risk

Net worth ratio
9.94%
15th percentile
Delinquency rate
1.90%
26th percentile
Net charge-off rate
0.72%
24th percentile
Loan-to-share
69.89%
63th percentile

Growth

Member growth YoY
-8.63%
7th percentile
Asset growth YoY
-1.64%
32th percentile
Loan growth YoY
-10.34%
24th percentile
Share growth YoY
-2.61%
31th percentile

Operations

Members / branch
1,323
59th percentile
Assets / member
$10,120
56th percentile
Field of membership penetration
33.33%
46th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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