HEALTH ADVANTAGE
Charter #20007 · SAGINAW, MI · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 10,639 sits at the 21st percentile of structural peers — worth a closer look.
- Net worth ratio of 13.14% ranks in the 79th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 0.37% ranks in the 15th percentile among structurally similar credit unions — a relative strength.
- On Net interest margin, the asset-size band puts this credit union at the 42nd percentile but its structural peers at the 26th — a 16-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 | HEALTH ADVANTAGE | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $179.41M | 44th pct | 34th pct |
| Members | 10,639 | 35th pct | 21th pct |
| Net worth ratio | 13.14% | 70th pct | 79th pct |
| Return on average assets | 0.81% | 58th pct | 57th pct |
| Net interest margin | 3.55% | 42th pct | 26th pct |
| Cost of funds | 1.35% | 58th pct | 74th pct |
| Loan-to-share | 70.14% | 47th pct | 44th pct |
| Delinquency 60+ days | 0.37% | 28th pct | 15th pct |
| Net charge-off ratio | 0.29% | 42th pct | 43th pct |
| Loan growth YoY | 2.38% | 70th pct | 74th pct |
| Share growth YoY | 3.20% | 46th pct | 36th pct |
| Efficiency ratio | 79.47% | 53th pct | 52th pct |
structural peer set hash: 890a1e197d9128f6fbd043cb565d86a3… (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.