Michigan One Community

Ionia, MI · 2 · Charter #62169 · www.M1ccu.org
Small ($50M–$250M)Reporting period: Q4 2025Peer group: 1,262 CUs

Performance vs peers

Percentile rank within the Small ($50M–$250M) peer group (1,262 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$232.4M
96th percentile
Members
18,606
96th percentile
Total loans
$172.6M
98th percentile
Total shares
$205.0M
97th percentile

Profitability

Return on assets
1.04%
50th percentile
Net interest margin
3.06%
20th percentile
Efficiency ratio
58.27%
64th percentile
Non-interest income ratio
26.31%
87th percentile

Capital & Risk

Net worth ratio
9.97%
23th percentile
Delinquency rate
0.74%
49th percentile
Net charge-off rate
0.24%
61th percentile
Loan-to-share
84.17%
78th percentile

Growth

Member growth YoY
-1.61%
38th percentile
Asset growth YoY
3.65%
48th percentile
Loan growth YoY
1.62%
52th percentile
Share growth YoY
3.02%
46th percentile

Operations

Members / branch
3,721
64th percentile
Assets / member
$12,491
33th percentile
Field of membership penetration
0.18%
1th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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