credit union · NCUA 63342 · MI
How big is THE LOCAL?
THE LOCAL (MI, NCUA charter 63342) reported total assets of $106.6M, 9,432 members and a net worth ratio of 16.07% in its Call Report for 2026Q2. That ranks 1776 of 4,299 federally insured credit unions by assets, 1017 of 1,061 among credit unions with $100m-$500m in assets, 110 of 169 credit unions in michigan.
What stands out
THE LOCAL (MI, NCUA charter 63342) reported total assets of $106.6M, 9,432 members and a net worth ratio of 16.07% in its Call Report for 2026Q2. That ranks 1776 of 4,299 federally insured credit unions by assets, 1017 of 1,061 among credit unions with $100m-$500m in assets, 110 of 169 credit unions in michigan. Against its size class: net worth ratio 16.07%, above the peer median of 11.65%; loan-to-share ratio 46.68%, below the peer median of 73.15%; return on assets 1.35%, above the peer median of 0.74%. At 16.07% 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 | $106.6M | $198.1M | $186.5M | $68.3M | record → |
| Shares and deposits | $89.9M | $172.3M | $160.8M | $58.3M | record → |
| Loans outstanding | $42.0M | $125.2M | $115.9M | $34.4M | record → |
| Net income (year to date) | $719.6k | $766.3k | $792.8k | $222.2k | record → |
| Net worth | $17.1M | $24.5M | $22.8M | $9.0M | record → |
| Net worth ratio | 16.07% | 11.65% | 12.03% | 12.65% | record → |
| Loan-to-share ratio | 46.68% | 73.15% | 68.71% | 68.70% | computed |
| Return on assets | 1.35% | 0.74% | 0.92% | 0.71% | computed |
| Members | 9,432 | 13,230 | 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 | $106.6M | $89.9M | $42.0M | $719.6k | 16.07% | 9,432 | 1776 |
| 2026Q1 | $109.2M | $92.5M | $41.7M | $353.0k | 15.04% | 9,526 | 1759 |
| 2025Q4 | $105.4M | $89.3M | $42.1M | $769.4k | 15.58% | 9,658 | 1781 |
| 2025Q3 | $103.9M | $87.5M | $42.3M | $446.8k | 15.54% | 9,689 | 1799 |
| 2025Q2 | $104.7M | $89.4M | $43.4M | $261.7k | 15.24% | 9,793 | 1794 |
| 2025Q1 | $106.8M | $91.4M | $43.7M | $73.0k | 14.76% | 9,883 | 1778 |
| 2024Q4 | $102.9M | $88.2M | $45.6M | $300.9k | 15.25% | 10,010 | 1796 |
| 2024Q3 | $103.2M | $88.2M | $46.1M | $235.7k | 15.19% | 10,208 | 1792 |
| 2024Q2 | $106.5M | $92.1M | $47.0M | $188.2k | 14.67% | 10,418 | 1762 |
| 2024Q1 | $107.2M | $93.0M | $46.8M | $49.1k | 14.44% | 10,723 | 1765 |
| 2023Q4 | $106.0M | $91.9M | $47.6M | $167.6k | 14.56% | 11,185 | 1764 |
| 2023Q3 | $104.2M | $91.2M | $47.0M | $170.0k | 14.86% | 11,190 | 1777 |
| 2023Q2 | $108.0M | $95.3M | $47.6M | $194.0k | 14.36% | 12,272 | 1752 |
| 2023Q1 | $109.9M | $97.3M | $47.3M | $84.4k | 14.02% | 12,628 | 1755 |
| 2022Q4 | $107.5M | $94.6M | $47.5M | $343.9k | 14.27% | 12,548 | 1762 |
| 2022Q3 | $108.6M | $96.0M | $47.3M | $288.3k | 14.07% | 12,291 | 1759 |
| 2022Q2 | $109.0M | $96.3M | $44.4M | $143.2k | 13.89% | 11,996 | 1759 |
| 2022Q1 | $111.4M | $97.3M | $42.7M | $63.6k | 13.52% | 11,782 | 1746 |
| 2021Q4 | $111.1M | $95.2M | $42.0M | $290.8k | 13.50% | 11,538 | 1730 |
| 2021Q3 | $116.6M | $100.2M | $42.8M | $230.5k | 12.81% | 11,334 | 1675 |
| 2021Q2 | $111.9M | $95.8M | $43.6M | $79.3k | 13.21% | 11,048 | 1710 |
| 2021Q1 | $113.1M | $96.3M | $45.3M | $41.8k | 13.04% | 10,848 | 1699 |
| 2020Q4 | $108.2M | $91.8M | $47.2M | $200.6k | 13.58% | 10,518 | 1681 |
| 2020Q3 | $107.8M | $91.4M | $48.9M | $171.9k | 13.61% | 10,235 | 1661 |
| 2020Q2 | $107.0M | $90.2M | $47.3M | $135.3k | 13.68% | 9,854 | 1658 |
| 2020Q1 | $100.1M | $84.7M | $47.2M | $122.4k | 14.61% | 9,661 | 1655 |
| 2019Q4 | $96.0M | $80.8M | $48.0M | $342.5k | 15.10% | 9,520 | 1671 |
| 2019Q3 | $93.2M | $77.7M | $49.2M | $386.9k | 15.60% | 9,403 | 1689 |
| 2019Q2 | $95.8M | $80.3M | $49.5M | $312.5k | 15.11% | 9,197 | 1671 |
| 2019Q1 | $95.6M | $80.6M | $50.7M | $100.6k | 14.92% | 8,980 | 1676 |
| 2018Q4 | $90.7M | $76.5M | $52.4M | $271.5k | 15.60% | 8,843 | 1699 |
| 2018Q3 | $91.7M | $77.1M | $51.3M | $312.5k | 15.49% | 8,689 | 1694 |
| 2018Q2 | $96.1M | $81.3M | $50.7M | $197.0k | 14.66% | 8,471 | 1660 |
| 2018Q1 | $95.0M | $80.8M | $49.8M | $86.0k | 14.71% | 8,259 | 1672 |
| 2017Q4 | $93.0M | $78.3M | $48.3M | $320.7k | 14.94% | 8,049 | 1660 |
| 2017Q3 | $94.9M | $80.1M | $48.0M | $184.7k | 14.50% | 7,824 | 1646 |
| 2017Q2 | $96.2M | $81.6M | $47.0M | $150.3k | 14.26% | 7,449 | 1640 |
| 2017Q1 | $95.9M | $81.6M | $45.1M | $44.9k | 14.19% | 7,138 | 1646 |
| 2016Q4 | $92.9M | $78.6M | $43.2M | $62.9k | 14.61% | 6,790 | 1648 |
| 2016Q3 | $93.2M | $78.3M | $41.9M | $104.0k | 14.61% | 6,595 | 1642 |
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