ROCK COMMUNITY
Charter #21020 · Rock, MI · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 826 sits at the 25th percentile of structural peers — worth a closer look.
- Net worth ratio of 8.62% sits at the 11th percentile of structural peers — worth a closer look.
- Net interest margin of 2.82% sits at the 20th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 0.00% ranks in the 20th percentile among structurally similar credit unions — a relative strength.
- On Total assets, the asset-size band puts this credit union at the 94th percentile but its structural peers at the 41st — a 53-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 | ROCK COMMUNITY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $9.05M | 94th pct | 41th pct |
| Members | 826 | 72th pct | 25th pct |
| Net worth ratio | 8.62% | 8th pct | 11th pct |
| Return on average assets | 0.62% | 58th pct | 48th pct |
| Net interest margin | 2.82% | 17th pct | 20th pct |
| Cost of funds | 0.80% | 59th pct | 57th pct |
| Loan-to-share | 33.23% | 22th pct | 21th pct |
| Delinquency 60+ days | 0.78% | 49th pct | 64th pct |
| Net charge-off ratio | 0.00% | 22th pct | 20th pct |
| Loan growth YoY | -10.24% | 27th pct | 16th pct |
| Share growth YoY | 7.28% | 89th pct | 77th pct |
| Efficiency ratio | 78.21% | 36th pct | 36th pct |
structural peer set hash: 078e8478c8964d49d25faf81542888e5… (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.