CHIEF FINANCIAL
Charter #4271 · Rochester Hills, MI · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 9.57% sits at the 20th percentile of structural peers — worth a closer look.
- Net interest margin of 3.28% sits at the 16th percentile of structural peers — worth a closer look.
- Cost of funds of 2.51% sits at the 98th percentile of structural peers — worth a closer look.
- On Net charge-off ratio, the asset-size band puts this credit union at the 55th percentile but its structural peers at the 39th — a 15-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 | CHIEF FINANCIAL | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $255.49M | 65th pct | 56th pct |
| Members | 20,984 | 80th pct | 70th pct |
| Net worth ratio | 9.57% | 22th pct | 20th pct |
| Return on average assets | 0.48% | 34th pct | 31th pct |
| Net interest margin | 3.28% | 28th pct | 16th pct |
| Cost of funds | 2.51% | 97th pct | 98th pct |
| Loan-to-share | 78.96% | 66th pct | 54th pct |
| Delinquency 60+ days | 0.86% | 69th pct | 59th pct |
| Net charge-off ratio | 0.41% | 55th pct | 39th pct |
| Loan growth YoY | 5.81% | 90th pct | 80th pct |
| Share growth YoY | 4.77% | 69th pct | 66th pct |
| Efficiency ratio | 80.24% | 57th pct | 57th pct |
structural peer set hash: 54b478a99b2a2417fe387bf2ebf8c94a… (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.