Baraga County

LANSE, MI · 1 · Charter #7672 · www.baragafcu.secure.cusolu
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
$61.0M
12th percentile
Members
4,842
23th percentile
Total loans
$19.8M
3th percentile
Total shares
$55.6M
17th percentile

Profitability

Return on assets
1.18%
60th percentile
Net interest margin
2.69%
10th percentile
Efficiency ratio
56.52%
68th percentile
Non-interest income ratio
20.81%
67th percentile

Capital & Risk

Net worth ratio
10.22%
26th percentile
Delinquency rate
0.21%
86th percentile
Net charge-off rate
-0.02%
99th percentile
Loan-to-share
35.58%
6th percentile

Growth

Member growth YoY
7.72%
96th percentile
Asset growth YoY
7.70%
79th percentile
Loan growth YoY
3.32%
61th percentile
Share growth YoY
5.15%
65th percentile

Operations

Members / branch
4,842
82th percentile
Assets / member
$12,588
34th percentile
Field of membership penetration
53.80%
92th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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