INTEGRA FIRST
Charter #5748 · Powers, MI · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 8.95% sits at the 15th percentile of structural peers — worth a closer look.
- Return on average assets of 0.10% sits at the 13th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 0.99% sits at the 79th percentile of structural peers — worth a closer look.
- Efficiency ratio of 88.66% sits at the 82nd percentile of structural peers — worth a closer look.
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 | INTEGRA FIRST | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $135.65M | 23th pct | 16th pct |
| Members | 11,554 | 41th pct | 38th pct |
| Net worth ratio | 8.95% | 13th pct | 15th pct |
| Return on average assets | 0.10% | 11th pct | 13th pct |
| Net interest margin | 3.94% | 69th pct | 66th pct |
| Cost of funds | 0.71% | 26th pct | 41th pct |
| Loan-to-share | 71.03% | 49th pct | 61th pct |
| Delinquency 60+ days | 0.99% | 76th pct | 79th pct |
| Net charge-off ratio | 0.53% | 68th pct | 66th pct |
| Loan growth YoY | 6.92% | 94th pct | 93th pct |
| Share growth YoY | 3.53% | 51th pct | 43th pct |
| Efficiency ratio | 88.66% | 82th pct | 82th pct |
structural peer set hash: d1404b040e3bb3da019d56b9abce082a… (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.