SERVICE 1
Charter #4038 · Muskegon, MI · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 18.31% ranks in the 90th percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 1.76% ranks in the 93rd percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 1.32% sits at the 75th percentile of structural peers — worth a closer look.
- Efficiency ratio of 69.32% ranks in the 20th percentile among structurally similar credit unions — a relative strength.
- On Net interest margin, the asset-size band puts this credit union at the 84th percentile but its structural peers at the 51st — a 33-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 | SERVICE 1 | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $197.37M | 50th pct | 44th pct |
| Members | 21,204 | 80th pct | 70th pct |
| Net worth ratio | 18.31% | 95th pct | 90th pct |
| Return on average assets | 1.76% | 93th pct | 93th pct |
| Net interest margin | 4.29% | 84th pct | 51th pct |
| Cost of funds | 1.32% | 56th pct | 75th pct |
| Loan-to-share | 87.14% | 84th pct | 75th pct |
| Delinquency 60+ days | 0.44% | 36th pct | 38th pct |
| Net charge-off ratio | 0.55% | 69th pct | 48th pct |
| Loan growth YoY | -4.81% | 7th pct | 3th pct |
| Share growth YoY | -2.43% | 2th pct | 0th pct |
| Efficiency ratio | 69.32% | 23th pct | 20th pct |
structural peer set hash: 6bfc5076e1bdbba226f884ba95aba8bd… (reproducible)
Closest structural peers
This is the free public view
Claim SERVICE 1
Unlock the full operating picture — scenario modeling, deposit & collections packs, the governed action framework, and an exam-ready evidence binder with every number traced to its basis.
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.