credit union · NCUA 21070 · MI
How big is DOWAGIAC AREA?
DOWAGIAC AREA (MI, NCUA charter 21070) reported total assets of $26.0M, 1,827 members and a net worth ratio of 11.14% in its Call Report for 2026Q2. That ranks 2933 of 4,299 federally insured credit unions by assets, 540 of 1,135 among credit unions with $10m-$50m in assets, 153 of 169 credit unions in michigan.
What stands out
DOWAGIAC AREA (MI, NCUA charter 21070) reported total assets of $26.0M, 1,827 members and a net worth ratio of 11.14% in its Call Report for 2026Q2. That ranks 2933 of 4,299 federally insured credit unions by assets, 540 of 1,135 among credit unions with $10m-$50m in assets, 153 of 169 credit unions in michigan. Against its size class: net worth ratio 11.14%, below the peer median of 13.88%; loan-to-share ratio 52.78%, below the peer median of 57.77%; return on assets 1.49%, above the peer median of 0.70%. At 11.14% its net worth ratio is above the 7% NCUA threshold, which puts it in the "well capitalised" band of prompt corrective action; the regulator applies further tests, this page does not.
Key figures, 2026Q2
As filed with the NCUA; ratios computed by FACTANKER. Peer medians are percentile_cont over the group in the same quarter.
| Measure | 2026Q2 | Median, size class | Median, state | Median, all | Evidence |
|---|---|---|---|---|---|
| Total assets | $26.0M | $25.2M | $186.5M | $68.3M | record → |
| Shares and deposits | $23.1M | $21.4M | $160.8M | $58.3M | record → |
| Loans outstanding | $12.2M | $11.2M | $115.9M | $34.4M | record → |
| Net income (year to date) | $193.6k | $82.1k | $792.8k | $222.2k | record → |
| Net worth | $2.9M | $3.4M | $22.8M | $9.0M | record → |
| Net worth ratio | 11.14% | 13.88% | 12.03% | 12.65% | record → |
| Loan-to-share ratio | 52.78% | 57.77% | 68.71% | 68.70% | computed |
| Return on assets | 1.49% | 0.70% | 0.92% | 0.71% | computed |
| Members | 1,827 | 2,092 | 13,435 | 4,818 | record → |
Quarter by quarter
45 Call Reports on record, 2015Q2–2026Q2; the 40 most recent shown.
| Quarter | Total assets | Shares | Loans | Net income YTD | Net worth ratio | Members | Rank |
|---|---|---|---|---|---|---|---|
| 2026Q2 | $26.0M | $23.1M | $12.2M | $193.6k | 11.14% | 1,827 | 2933 |
| 2026Q1 | $26.0M | $23.2M | $12.3M | $88.7k | 10.73% | 1,829 | 2953 |
| 2025Q4 | $25.2M | $22.4M | $12.7M | $317.7k | 10.75% | 1,830 | 2988 |
| 2025Q3 | $25.4M | $22.7M | $12.0M | $263.2k | 10.45% | 1,833 | 3002 |
| 2025Q2 | $25.6M | $22.9M | $12.1M | $155.8k | 10.01% | 1,843 | 3010 |
| 2025Q1 | $24.4M | $21.9M | $10.6M | $51.1k | 10.05% | 1,831 | 3068 |
| 2024Q4 | $23.8M | $21.4M | $10.9M | $372.8k | 10.11% | 1,833 | 3093 |
| 2024Q3 | $23.1M | $20.8M | $11.0M | $295.7k | 10.31% | 1,841 | 3127 |
| 2024Q2 | $22.8M | $20.5M | $10.9M | $209.1k | 10.14% | 1,838 | 3157 |
| 2024Q1 | $23.3M | $21.1M | $10.7M | $94.0k | 9.47% | 1,816 | 3168 |
| 2023Q4 | $23.6M | $21.5M | $10.4M | $398.3k | 8.78% | 1,797 | 3156 |
| 2023Q3 | $23.9M | $21.9M | $8.9M | $348.5k | 8.13% | 1,789 | 3161 |
| 2023Q2 | $23.8M | $22.0M | $8.7M | $249.9k | 7.73% | 1,782 | 3182 |
| 2023Q1 | $24.6M | $22.9M | $7.6M | $67.2k | 6.74% | 2,076 | 3181 |
| 2022Q4 | $24.8M | $23.2M | $7.1M | $56.8k | 6.42% | 2,078 | 3191 |
| 2022Q3 | $25.2M | $23.5M | $6.6M | $21.1k | 6.18% | 2,076 | 3203 |
| 2022Q2 | $25.2M | $23.6M | $6.6M | $-13.4k | 6.04% | 2,101 | 3218 |
| 2022Q1 | $25.6M | $24.0M | $7.0M | $-22.1k | 5.92% | 2,102 | 3223 |
| 2021Q4 | $24.3M | $22.8M | $7.4M | $17.7k | 6.31% | 2,108 | 3258 |
| 2021Q3 | $24.1M | $22.5M | $7.6M | $6.8k | 6.33% | 2,169 | 3272 |
| 2021Q2 | $23.2M | $21.7M | $7.7M | $-17.2k | 6.46% | 2,143 | 3311 |
| 2021Q1 | $23.5M | $21.9M | $7.5M | $-30.4k | 6.18% | 2,133 | 3311 |
| 2020Q4 | $22.1M | $20.5M | $8.1M | $-87.1k | 6.71% | 2,145 | 3326 |
| 2020Q3 | $20.8M | $19.2M | $7.6M | $-37.6k | 7.37% | 2,173 | 3373 |
| 2020Q2 | $20.1M | $18.5M | $8.0M | $-15.2k | 7.75% | 2,184 | 3403 |
| 2020Q1 | $17.4M | $15.8M | $8.2M | $-5.6k | 8.99% | 2,204 | 3483 |
| 2019Q4 | $16.9M | $15.3M | $8.2M | $34.8k | 9.29% | 2,219 | 3499 |
| 2019Q3 | $17.2M | $15.6M | $8.9M | $39.9k | 9.16% | 2,260 | 3490 |
| 2019Q2 | $17.5M | $15.8M | $8.9M | $66.3k | 9.14% | 2,291 | 3486 |
| 2019Q1 | $17.7M | $16.1M | $8.7M | $30.5k | 8.84% | 2,306 | 3490 |
| 2018Q4 | $16.9M | $15.3M | $9.0M | $119.1k | 9.09% | 2,325 | 3532 |
| 2018Q3 | $17.7M | $16.0M | $8.1M | $127.5k | 8.73% | 2,348 | 3506 |
| 2018Q2 | $17.6M | $16.1M | $8.4M | $44.0k | 8.28% | 2,366 | 3528 |
| 2018Q1 | $18.3M | $16.7M | $7.7M | $9.6k | 7.80% | 2,392 | 3508 |
| 2017Q4 | $17.5M | $16.0M | $8.0M | $-25.3k | 8.09% | 2,405 | 3540 |
| 2017Q3 | $17.8M | $16.3M | $8.0M | $21.9k | 8.20% | 2,453 | 3552 |
| 2017Q2 | $18.0M | $16.5M | $8.2M | $10.8k | 8.04% | 2,587 | 3572 |
| 2017Q1 | $18.2M | $16.6M | $8.6M | $-9.4k | 7.87% | 2,483 | 3575 |
| 2016Q4 | $17.8M | $16.3M | $8.5M | $12.1k | 8.09% | 2,528 | 3580 |
| 2016Q3 | $17.7M | $16.2M | $8.5M | $32.3k | 8.25% | 2,545 | 3594 |
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