NORTHERN LIGHTS COMMUNITY
Charter #5272 · Chatham, MI · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 1,288 sits at the 21st percentile of structural peers — worth a closer look.
- Net worth ratio of 9.51% sits at the 18th percentile of structural peers — worth a closer look.
- Return on average assets of 2.39% ranks in the 97th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 4.80% ranks in the 90th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.13% ranks in the 10th 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 | NORTHERN LIGHTS COMMUNITY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $12.58M | 12th pct | 23th pct |
| Members | 1,288 | 16th pct | 21th pct |
| Net worth ratio | 9.51% | 14th pct | 18th pct |
| Return on average assets | 2.39% | 98th pct | 97th pct |
| Net interest margin | 4.80% | 87th pct | 90th pct |
| Cost of funds | 0.13% | 9th pct | 10th pct |
| Loan-to-share | 29.54% | 9th pct | 15th pct |
| Delinquency 60+ days | 0.94% | 66th pct | 57th pct |
| Net charge-off ratio | -0.06% | 12th pct | 11th pct |
| Loan growth YoY | -4.08% | 37th pct | 53th pct |
| Share growth YoY | 2.20% | 47th pct | 50th pct |
| Efficiency ratio | 72.83% | 32th pct | 28th pct |
structural peer set hash: f68b69a0a81a24d0d135abe9ea064fab… (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.