FRANKFORT COMMUNITY
Charter #13355 · FRANKFORT, MI · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 2.86% ranks in the 98th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 5.91% ranks in the 95th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.36% ranks in the 11th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 4.51% sits at the 98th percentile of structural peers — worth a closer look.
- Net charge-off ratio of -0.12% ranks in the 11th percentile among structurally similar credit unions — a relative strength.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | FRANKFORT COMMUNITY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $17.95M | 30th pct | 30th pct |
| Members | 2,147 | 52th pct | 48th pct |
| Net worth ratio | 15.05% | 60th pct | 56th pct |
| Return on average assets | 2.86% | 99th pct | 98th pct |
| Net interest margin | 5.91% | 98th pct | 95th pct |
| Cost of funds | 0.36% | 24th pct | 11th pct |
| Loan-to-share | 73.39% | 74th pct | 64th pct |
| Delinquency 60+ days | 4.51% | 97th pct | 98th pct |
| Net charge-off ratio | -0.12% | 9th pct | 11th pct |
| Loan growth YoY | -0.67% | 64th pct | 57th pct |
| Share growth YoY | 0.96% | 35th pct | 34th pct |
| Efficiency ratio | 56.99% | 7th pct | 5th pct |
structural peer set hash: 9cac3e8fee24a44537bfcf54555c25b7… (reproducible)
Closest structural peers
This is the free public view
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.