DOWAGIAC AREA
Charter #21070 · Dowagiac, MI · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 1,829 sits at the 23rd percentile of structural peers — worth a closer look.
- Return on average assets of 1.39% ranks in the 77th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of -0.04% ranks in the 16th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 67.54% ranks in the 25th percentile among structurally similar credit unions — a relative strength.
- On Members, the asset-size band puts this credit union at the 39th percentile but its structural peers at the 23rd — 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 | DOWAGIAC AREA | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $26.04M | 52th pct | 36th pct |
| Members | 1,829 | 39th pct | 23th pct |
| Net worth ratio | 10.73% | 24th pct | 34th pct |
| Return on average assets | 1.39% | 82th pct | 77th pct |
| Net interest margin | 4.05% | 60th pct | 51th pct |
| Cost of funds | 0.67% | 42th pct | 54th pct |
| Loan-to-share | 52.94% | 43th pct | 41th pct |
| Delinquency 60+ days | 0.45% | 43th pct | 44th pct |
| Net charge-off ratio | -0.04% | 15th pct | 16th pct |
| Loan growth YoY | 1.92% | 82th pct | 69th pct |
| Share growth YoY | 2.35% | 48th pct | 43th pct |
| Efficiency ratio | 67.54% | 22th pct | 25th pct |
structural peer set hash: 7c042f0125415263685dab968be0378b… (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.