FLAGSHIP COMMUNITY
Charter #13391 · Port Huron, MI · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Net interest margin of 4.24% ranks in the 87th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.41% ranks in the 21st percentile among structurally similar credit unions — a relative strength.
- On Total assets, the asset-size band puts this credit union at the 69th percentile but its structural peers at the 30th — a 39-point gap showing why the peer definition matters.
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 | FLAGSHIP COMMUNITY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $33.50M | 69th pct | 30th pct |
| Members | 3,048 | 76th pct | 66th pct |
| Net worth ratio | 11.36% | 30th pct | 46th pct |
| Return on average assets | 0.63% | 49th pct | 59th pct |
| Net interest margin | 4.24% | 69th pct | 87th pct |
| Cost of funds | 0.41% | 27th pct | 21th pct |
| Loan-to-share | 58.52% | 52th pct | 52th pct |
| Delinquency 60+ days | 0.33% | 38th pct | 38th pct |
| Net charge-off ratio | 0.27% | 60th pct | 69th pct |
| Loan growth YoY | -1.45% | 58th pct | 51th pct |
| Share growth YoY | -2.86% | 9th pct | 11th pct |
| Efficiency ratio | 84.31% | 60th pct | 54th pct |
structural peer set hash: 6bbca4149ff4437aba98322d77483501… (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.