Flagship Community

Port Huron, MI · 1 · Charter #13391 · www.flagship.org
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
$34.1M
83th percentile
Members
3,150
86th percentile
Total loans
$17.3M
83th percentile
Total shares
$30.2M
85th percentile

Profitability

Return on assets
0.96%
57th percentile
Net interest margin
4.35%
64th percentile
Efficiency ratio
75.45%
32th percentile
Non-interest income ratio
13.09%
63th percentile

Capital & Risk

Net worth ratio
10.99%
23th percentile
Delinquency rate
0.27%
67th percentile
Net charge-off rate
0.21%
51th percentile
Loan-to-share
57.27%
46th percentile

Growth

Member growth YoY
-9.38%
6th percentile
Asset growth YoY
-0.66%
37th percentile
Loan growth YoY
-3.61%
47th percentile
Share growth YoY
-1.90%
35th percentile

Operations

Members / branch
1,575
66th percentile
Assets / member
$10,840
63th percentile
Field of membership penetration
1.34%
8th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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