Michigan Columbus

Livonia, MI · 1 · Charter #5554 · www.mcfcu.net
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
$73.8M
25th percentile
Members
4,596
20th percentile
Total loans
$27.6M
11th percentile
Total shares
$61.8M
24th percentile

Profitability

Return on assets
1.22%
63th percentile
Net interest margin
3.57%
45th percentile
Efficiency ratio
60.59%
56th percentile
Non-interest income ratio
4.67%
3th percentile

Capital & Risk

Net worth ratio
15.99%
81th percentile
Delinquency rate
0.98%
34th percentile
Net charge-off rate
0.35%
47th percentile
Loan-to-share
44.56%
13th percentile

Growth

Member growth YoY
1.50%
75th percentile
Asset growth YoY
-1.01%
14th percentile
Loan growth YoY
-6.23%
14th percentile
Share growth YoY
-2.13%
12th percentile

Operations

Members / branch
2,298
29th percentile
Assets / member
$16,059
63th percentile
Field of membership penetration
30.64%
79th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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