MANISTIQUE
Charter #18067 · MANISTIQUE, MI · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Net interest margin of 4.09% ranks in the 75th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 2.26% sits at the 87th percentile of structural peers — worth a closer look.
- Efficiency ratio of 55.98% ranks in the 3rd percentile among structurally similar credit unions — a relative strength.
- On Total assets, the asset-size band puts this credit union at the 89th percentile but its structural peers at the 66th — a 23-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 | MANISTIQUE | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $43.38M | 89th pct | 66th pct |
| Members | 3,057 | 77th pct | 56th pct |
| Net worth ratio | 15.60% | 64th pct | 74th pct |
| Return on average assets | 1.21% | 76th pct | 70th pct |
| Net interest margin | 4.09% | 62th pct | 75th pct |
| Cost of funds | 0.61% | 39th pct | 39th pct |
| Loan-to-share | 49.38% | 36th pct | 48th pct |
| Delinquency 60+ days | 2.26% | 87th pct | 87th pct |
| Net charge-off ratio | 0.19% | 56th pct | 61th pct |
| Loan growth YoY | -4.02% | 38th pct | 31th pct |
| Share growth YoY | 3.28% | 59th pct | 57th pct |
| Efficiency ratio | 55.98% | 7th pct | 3th pct |
structural peer set hash: cc658d7a8e40d73f9f7f69b3481c9dd0… (reproducible)
Closest structural peers
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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.