COMMUNITY FOCUS
Charter #14098 · Brownstown, MI · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of -0.26% sits at the 2nd percentile of structural peers — worth a closer look.
- Net charge-off ratio of 0.67% sits at the 80th percentile of structural peers — worth a closer look.
- Efficiency ratio of 98.52% sits at the 97th percentile of structural peers — worth a closer look.
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 | COMMUNITY FOCUS | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $68.85M | 44th pct | 41th pct |
| Members | 4,726 | 44th pct | 34th pct |
| Net worth ratio | 13.88% | 62th pct | 67th pct |
| Return on average assets | -0.26% | 8th pct | 2th pct |
| Net interest margin | 3.58% | 42th pct | 34th pct |
| Cost of funds | 0.99% | 55th pct | 61th pct |
| Loan-to-share | 52.23% | 34th pct | 46th pct |
| Delinquency 60+ days | 0.49% | 42th pct | 36th pct |
| Net charge-off ratio | 0.67% | 80th pct | 80th pct |
| Loan growth YoY | 1.91% | 78th pct | 77th pct |
| Share growth YoY | 9.89% | 96th pct | 98th pct |
| Efficiency ratio | 98.52% | 93th pct | 97th pct |
structural peer set hash: 78eb20e93f897819c96d5361927f9c59… (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.