Powers, Michigan · Peer group 5
Integra First Credit Union
Integra First Credit Union holds $135.6M in assets across 11,554 members as of Q1 2026 — about $12K of assets per member, on a charter dating to 1948. Charter number 5748, in the $100M-$500M asset tier.
Balance sheet
Reported position at the close of the quarter.
| Total assets | $135.6M |
|---|---|
| Total loans | $87.3M |
| Total shares (deposits) | $123.0M |
| Net worth | $12.1M |
| Members | 11,554 |
| Assets per member | $12K |
Year-over-year growth
Change against the same quarter one year earlier.
| Assets | 3.9% | |
|---|---|---|
| Loans | 12.9% | higher than 91% of its peer group |
| Deposits | 3.5% | around the 55th percentile of its peer group |
| Members | 0.7% | around the 62nd 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 | 71.0% | around the 49th percentile of its peer group |
|---|---|---|
| Net worth ratio | 8.9% | around the 13th percentile of its peer group |
| Return on assets | 0.10% | around the 11th percentile of its peer group |
| Delinquency ratio | 0.99% | around the 76th percentile of its peer group |
| Cash / assets | 9.3% | around the 41st percentile of its peer group |
| Borrowings / assets | 0.0% | around the 40th percentile of its peer group |
What this page does not show
Everything above is Integra First 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.
- Walled Lake Schools Credit Union
Wolverine Lake, MI
$137.5M · 5,048 members
- Breakwater Credit Union
HOUGHTON, MI
$138.4M · 10,390 members
- Sunrise Family Credit Union
Bay City, MI
$132.9M · 11,117 members
- Ukrainian Selfreliance Michigan Credit Union
Warren, MI
$140.1M · 4,411 members
- Straits Area Credit Union
Cheboygan, MI
$130.5M · 12,057 members
- Lenco Credit Union
Adrian, MI
$143.6M · 7,565 members
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