FOREST AREA
Charter #24047 · Fife Lake, MI · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 1.39% ranks in the 87th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 4.47% ranks in the 90th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 1.43% sits at the 82nd percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 1.47% sits at the 97th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 0.77% sits at the 85th percentile of structural peers — worth a closer look.
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 | FOREST AREA | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $317.94M | 76th pct | 52th pct |
| Members | 21,325 | 81th pct | 61th pct |
| Net worth ratio | 12.30% | 61th pct | 64th pct |
| Return on average assets | 1.39% | 86th pct | 87th pct |
| Net interest margin | 4.47% | 89th pct | 90th pct |
| Cost of funds | 1.43% | 64th pct | 82th pct |
| Loan-to-share | 69.90% | 46th pct | 48th pct |
| Delinquency 60+ days | 1.47% | 89th pct | 97th pct |
| Net charge-off ratio | 0.77% | 82th pct | 85th pct |
| Loan growth YoY | 0.62% | 53th pct | 49th pct |
| Share growth YoY | 3.59% | 52th pct | 52th pct |
| Efficiency ratio | 67.58% | 20th pct | 10th pct |
structural peer set hash: 0da99173f311643fd85ba2da3343cf48… (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.