PENINSULA
Charter #4291 · Escanaba, MI · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 8.85% sits at the 13th percentile of structural peers — worth a closer look.
- Cost of funds of 2.10% sits at the 93rd percentile of structural peers — worth a closer look.
- Net charge-off ratio of 0.65% sits at the 79th percentile of structural peers — worth a closer look.
- Efficiency ratio of 75.02% ranks in the 20th percentile among structurally similar credit unions — a relative strength.
- On Members, the asset-size band puts this credit union at the 69th percentile but its structural peers at the 41st — a 28-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 | PENINSULA | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $358.75M | 83th pct | 56th pct |
| Members | 17,793 | 69th pct | 41th pct |
| Net worth ratio | 8.85% | 12th pct | 13th pct |
| Return on average assets | 0.77% | 55th pct | 62th pct |
| Net interest margin | 3.97% | 70th pct | 66th pct |
| Cost of funds | 2.10% | 91th pct | 93th pct |
| Loan-to-share | 86.92% | 83th pct | 70th pct |
| Delinquency 60+ days | 0.82% | 66th pct | 70th pct |
| Net charge-off ratio | 0.65% | 75th pct | 79th pct |
| Loan growth YoY | -1.38% | 32th pct | 25th pct |
| Share growth YoY | 2.59% | 37th pct | 41th pct |
| Efficiency ratio | 75.02% | 38th pct | 20th pct |
structural peer set hash: 354d06af27ea0a94b6421332b2a2d906… (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.