credit union · NCUA 7428 · MI
How big is STRAITS AREA?
STRAITS AREA (MI, NCUA charter 7428) reported total assets of $132.4M, 11,900 members and a net worth ratio of 11.74% in its Call Report for 2026Q2. That ranks 1600 of 4,299 federally insured credit unions by assets, 841 of 1,061 among credit unions with $100m-$500m in assets, 104 of 169 credit unions in michigan.
What stands out
STRAITS AREA (MI, NCUA charter 7428) reported total assets of $132.4M, 11,900 members and a net worth ratio of 11.74% in its Call Report for 2026Q2. That ranks 1600 of 4,299 federally insured credit unions by assets, 841 of 1,061 among credit unions with $100m-$500m in assets, 104 of 169 credit unions in michigan. Against its size class: net worth ratio 11.74%, above the peer median of 11.65%; loan-to-share ratio 46.81%, below the peer median of 73.15%; return on assets 1.27%, above the peer median of 0.74%. At 11.74% 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 | $132.4M | $198.1M | $186.5M | $68.3M | record → |
| Shares and deposits | $115.6M | $172.3M | $160.8M | $58.3M | record → |
| Loans outstanding | $54.1M | $125.2M | $115.9M | $34.4M | record → |
| Net income (year to date) | $839.4k | $766.3k | $792.8k | $222.2k | record → |
| Net worth | $15.5M | $24.5M | $22.8M | $9.0M | record → |
| Net worth ratio | 11.74% | 11.65% | 12.03% | 12.65% | record → |
| Loan-to-share ratio | 46.81% | 73.15% | 68.71% | 68.70% | computed |
| Return on assets | 1.27% | 0.74% | 0.92% | 0.71% | computed |
| Members | 11,900 | 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 | $132.4M | $115.6M | $54.1M | $839.4k | 11.74% | 11,900 | 1600 |
| 2026Q1 | $130.5M | $114.1M | $52.5M | $311.8k | 11.50% | 12,057 | 1614 |
| 2025Q4 | $127.7M | $111.8M | $52.9M | $1.6M | 11.51% | 12,086 | 1620 |
| 2025Q3 | $126.4M | $110.6M | $53.1M | $1.1M | 11.30% | 12,067 | 1628 |
| 2025Q2 | $125.3M | $110.2M | $52.0M | $590.2k | 10.98% | 12,034 | 1643 |
| 2025Q1 | $122.9M | $109.2M | $50.3M | $288.2k | 10.95% | 12,181 | 1654 |
| 2024Q4 | $123.1M | $109.9M | $50.1M | $1.1M | 10.70% | 12,200 | 1637 |
| 2024Q3 | $122.1M | $108.0M | $49.7M | $900.6k | 10.63% | 12,205 | 1641 |
| 2024Q2 | $116.0M | $103.3M | $49.4M | $608.2k | 10.94% | 12,145 | 1693 |
| 2024Q1 | $115.3M | $103.6M | $48.9M | $284.3k | 10.72% | 12,350 | 1707 |
| 2023Q4 | $114.1M | $103.0M | $49.6M | $735.6k | 10.58% | 12,370 | 1706 |
| 2023Q3 | $115.1M | $104.8M | $49.2M | $490.2k | 10.31% | 12,340 | 1703 |
| 2023Q2 | $114.6M | $105.4M | $48.9M | $297.6k | 10.18% | 12,298 | 1710 |
| 2023Q1 | $116.0M | $107.2M | $48.2M | $147.8k | 9.93% | 12,512 | 1709 |
| 2022Q4 | $117.6M | $109.0M | $47.9M | $667.7k | 9.68% | 12,479 | 1692 |
| 2022Q3 | $121.7M | $113.5M | $46.3M | $492.3k | 9.20% | 12,460 | 1662 |
| 2022Q2 | $120.9M | $111.6M | $45.2M | $445.3k | 9.23% | 12,422 | 1672 |
| 2022Q1 | $121.4M | $111.3M | $43.3M | $159.4k | 8.96% | 12,539 | 1671 |
| 2021Q4 | $120.9M | $109.9M | $43.2M | $993.1k | 8.86% | 12,590 | 1652 |
| 2021Q3 | $119.1M | $107.6M | $43.0M | $716.5k | 8.76% | 12,552 | 1653 |
| 2021Q2 | $116.8M | $105.3M | $42.8M | $303.0k | 8.58% | 12,491 | 1665 |
| 2021Q1 | $114.3M | $103.2M | $42.9M | $108.8k | 8.59% | 12,568 | 1684 |
| 2020Q4 | $106.0M | $95.2M | $44.4M | $709.1k | 9.16% | 12,580 | 1705 |
| 2020Q3 | $104.4M | $93.2M | $45.0M | $511.8k | 9.11% | 12,648 | 1695 |
| 2020Q2 | $101.1M | $90.3M | $45.1M | $265.4k | 9.17% | 12,662 | 1713 |
| 2020Q1 | $90.6M | $80.8M | $45.3M | $66.2k | 10.01% | 12,766 | 1751 |
| 2019Q4 | $88.4M | $78.7M | $46.2M | $574.5k | 10.18% | 12,975 | 1749 |
| 2019Q3 | $88.8M | $79.0M | $45.2M | $453.2k | 10.00% | 12,918 | 1732 |
| 2019Q2 | $88.0M | $78.3M | $43.6M | $207.4k | 9.81% | 12,905 | 1750 |
| 2019Q1 | $88.9M | $80.0M | $42.0M | $86.5k | 9.57% | 12,947 | 1742 |
| 2018Q4 | $88.1M | $79.2M | $41.7M | $434.9k | 9.57% | 12,942 | 1726 |
| 2018Q3 | $90.2M | $81.6M | $40.6M | $453.8k | 9.36% | 12,923 | 1709 |
| 2018Q2 | $88.8M | $80.5M | $39.4M | $260.6k | 9.29% | 12,900 | 1733 |
| 2018Q1 | $89.7M | $81.4M | $38.6M | $118.0k | 9.04% | 12,829 | 1720 |
| 2017Q4 | $88.5M | $79.9M | $39.0M | $358.6k | 9.03% | 12,879 | 1706 |
| 2017Q3 | $89.4M | $80.7M | $38.1M | $331.7k | 8.91% | 12,750 | 1701 |
| 2017Q2 | $86.8M | $78.3M | $37.5M | $234.8k | 9.06% | 12,694 | 1748 |
| 2017Q1 | $86.2M | $78.1M | $36.4M | $133.2k | 9.01% | 12,552 | 1758 |
| 2016Q4 | $84.9M | $76.9M | $37.4M | $444.4k | 8.99% | 12,575 | 1748 |
| 2016Q3 | $86.2M | $77.8M | $37.0M | $383.6k | 8.78% | 12,640 | 1727 |
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