Manistique

MANISTIQUE, MI · 1 · Charter #18067 · www.manistiquefederal.com
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
$42.7M
93th percentile
Members
3,069
85th percentile
Total loans
$18.7M
86th percentile
Total shares
$35.9M
92th percentile

Profitability

Return on assets
2.16%
93th percentile
Net interest margin
4.02%
51th percentile
Efficiency ratio
42.93%
90th percentile
Non-interest income ratio
5.11%
34th percentile

Capital & Risk

Net worth ratio
15.44%
53th percentile
Delinquency rate
0.55%
55th percentile
Net charge-off rate
0.27%
46th percentile
Loan-to-share
51.99%
37th percentile

Growth

Member growth YoY
-1.54%
49th percentile
Asset growth YoY
5.85%
79th percentile
Loan growth YoY
-2.35%
53th percentile
Share growth YoY
3.83%
69th percentile

Operations

Members / branch
3,069
92th percentile
Assets / member
$13,902
81th percentile
Field of membership penetration
8.28%
22th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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