SETTLERS
Charter #24793 · BRUCE CROSSING, MI · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 19.50% ranks in the 90th percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 3.61% ranks in the 97th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 4.85% ranks in the 93rd percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of -1.51% ranks in the 0th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 65.22% ranks in the 8th percentile among structurally similar credit unions — a relative strength.
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 | SETTLERS | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $37.34M | 77th pct | 44th pct |
| Members | 3,965 | 91th pct | 67th pct |
| Net worth ratio | 19.50% | 83th pct | 90th pct |
| Return on average assets | 3.61% | 99th pct | 97th pct |
| Net interest margin | 4.85% | 88th pct | 93th pct |
| Cost of funds | 0.53% | 35th pct | 41th pct |
| Loan-to-share | 63.54% | 60th pct | 72th pct |
| Delinquency 60+ days | 0.59% | 50th pct | 43th pct |
| Net charge-off ratio | -1.51% | 0th pct | 0th pct |
| Loan growth YoY | 2.71% | 85th pct | 80th pct |
| Share growth YoY | 0.68% | 32th pct | 26th pct |
| Efficiency ratio | 65.22% | 17th pct | 8th pct |
structural peer set hash: 02e8eef5d0fe0d244408e1dc011f6ce0… (reproducible)
Closest structural peers
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Claim SETTLERS
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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.