JOURNEY
Charter #20943 · SAINT JOHNS, MI · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Net interest margin of 3.37% sits at the 20th percentile of structural peers — worth a closer look.
- On Cost of funds, the asset-size band puts this credit union at the 37th percentile but its structural peers at the 57th — a 20-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 | JOURNEY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $189.61M | 47th pct | 43th pct |
| Members | 17,238 | 67th pct | 57th pct |
| Net worth ratio | 9.88% | 26th pct | 30th pct |
| Return on average assets | 0.73% | 52th pct | 56th pct |
| Net interest margin | 3.37% | 33th pct | 20th pct |
| Cost of funds | 0.97% | 37th pct | 57th pct |
| Loan-to-share | 61.81% | 30th pct | 46th pct |
| Delinquency 60+ days | 0.55% | 45th pct | 38th pct |
| Net charge-off ratio | 0.35% | 49th pct | 30th pct |
| Loan growth YoY | -5.69% | 4th pct | 5th pct |
| Share growth YoY | 4.52% | 65th pct | 64th pct |
| Efficiency ratio | 82.04% | 63th pct | 54th pct |
structural peer set hash: 0accbda3ef3e1b7ed1b221255ab30736… (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.