Michigan United

Auburn Hills, MI · 2 · Charter #61698 · www.michiganunitedcu.org
Community ($250M–$1B)Reporting period: Q4 2025Peer group: 673 CUs

Performance vs peers

Percentile rank within the Community ($250M–$1B) peer group (673 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$335.8M
25th percentile
Members
24,143
39th percentile
Total loans
$225.2M
29th percentile
Total shares
$292.3M
27th percentile

Profitability

Return on assets
1.03%
55th percentile
Net interest margin
4.22%
88th percentile
Efficiency ratio
71.53%
8th percentile
Non-interest income ratio
13.49%
18th percentile

Capital & Risk

Net worth ratio
12.20%
68th percentile
Delinquency rate
0.31%
86th percentile
Net charge-off rate
0.17%
80th percentile
Loan-to-share
77.04%
41th percentile

Growth

Member growth YoY
1.16%
58th percentile
Asset growth YoY
1.25%
20th percentile
Loan growth YoY
9.22%
77th percentile
Share growth YoY
-0.37%
11th percentile

Operations

Members / branch
2,683
11th percentile
Assets / member
$13,909
29th percentile
Field of membership penetration
0.24%
2th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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