Straits Area

Cheboygan, MI · 1 · Charter #7428 · www.mi-safcu.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
$127.7M
62th percentile
Members
12,086
80th percentile
Total loans
$52.9M
43th percentile
Total shares
$111.8M
63th percentile

Profitability

Return on assets
1.54%
79th percentile
Net interest margin
4.08%
74th percentile
Efficiency ratio
64.24%
45th percentile
Non-interest income ratio
23.54%
78th percentile

Capital & Risk

Net worth ratio
11.51%
41th percentile
Delinquency rate
2.64%
5th percentile
Net charge-off rate
0.77%
16th percentile
Loan-to-share
47.29%
17th percentile

Growth

Member growth YoY
-0.93%
46th percentile
Asset growth YoY
3.75%
48th percentile
Loan growth YoY
5.57%
73th percentile
Share growth YoY
1.71%
35th percentile

Operations

Members / branch
4,029
70th percentile
Assets / member
$10,565
17th percentile
Field of membership penetration
10.99%
60th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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