Bingham Farms, Michigan · Peer group 3
Construction Credit Union
Construction Credit Union holds $33.7M in assets across 1,173 members as of Q1 2026 — about $29K of assets per member, on a charter dating to 1974. Charter number 21798, in the $10M-$50M asset tier.
Balance sheet
Reported position at the close of the quarter.
| Total assets | $33.7M |
|---|---|
| Total loans | $17.8M |
| Total shares (deposits) | $30.1M |
| Net worth | $3.5M |
| Members | 1,173 |
| Assets per member | $29K |
Year-over-year growth
Change against the same quarter one year earlier.
| Assets | 31.7% | |
|---|---|---|
| Loans | -4.6% | around the 38th percentile of its peer group |
| Deposits | 36.3% | higher than 100% of its peer group |
| Members | -0.1% | around the 66th percentile of its peer group |
Ratios and peer position
Each ratio is shown against its percentile rank within this institution's own peer group. The absolute number is rarely the interesting part — a 96% loan-to-share is unremarkable in one peer group and an outlier in another.
| Loan-to-share | 59.1% | around the 53rd percentile of its peer group |
|---|---|---|
| Net worth ratio | 10.5% | around the 22nd percentile of its peer group |
| Return on assets | 0.31% | around the 31st percentile of its peer group |
| Delinquency ratio | 0.10% | around the 21st percentile of its peer group |
| Cash / assets | 37.9% | higher than 98% of its peer group |
| Borrowings / assets | 0.0% | around the 49th percentile of its peer group |
What this page does not show
Everything above is Construction Credit Union’s own reported position. What a CUSignals subscription adds is the layer on top of it: a merger-susceptibility score and calibrated one-year probability, a franchise-value score, a liquidity-stress score and funding-need flag, participation buyer/seller classification, and buying-propensity scores across five software categories — each with the plain-English reason it moved, and each decomposable into the weights that produced it.
Similar credit unions
Closest in size within Michigan — the comparison set a peer ratio is measured against.
- Flagship Community Credit Union
Port Huron, MI
$33.5M · 3,048 members
- Alpena Community Credit Union
Alpena, MI
$35.5M · 2,254 members
- Kenowa Community Credit Union
WYOMING, MI
$31.2M · 2,522 members
- Settlers Credit Union
BRUCE CROSSING, MI
$37.3M · 3,965 members
- Graco Credit Union
Alma, MI
$37.6M · 3,377 members
- Gogebic County Credit Union
BESSEMER, MI
$38.7M · 3,746 members
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