MICHIGAN COLUMBUS
Charter #5554 · Livonia, MI · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 16.35% ranks in the 80th percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 2.72% ranks in the 98th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 1.87% sits at the 85th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 0.87% sits at the 92nd percentile of structural peers — worth a closer look.
- Efficiency ratio of 25.16% ranks in the 0th 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 | MICHIGAN COLUMBUS | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $75.28M | 59th pct | 52th pct |
| Members | 4,025 | 29th pct | 38th pct |
| Net worth ratio | 16.35% | 78th pct | 80th pct |
| Return on average assets | 2.72% | 99th pct | 98th pct |
| Net interest margin | 3.46% | 36th pct | 46th pct |
| Cost of funds | 0.72% | 36th pct | 44th pct |
| Loan-to-share | 42.67% | 17th pct | 30th pct |
| Delinquency 60+ days | 1.87% | 92th pct | 85th pct |
| Net charge-off ratio | 0.87% | 86th pct | 92th pct |
| Loan growth YoY | -5.34% | 16th pct | 8th pct |
| Share growth YoY | 2.69% | 47th pct | 67th pct |
| Efficiency ratio | 25.16% | 0th pct | 0th pct |
structural peer set hash: 1418619805b7053676fbd92146870591… (reproducible)
Closest structural peers
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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.