ROUTE 31
Charter #5982 · Muskegon, MI · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Net interest margin of 3.50% sits at the 10th percentile of structural peers — worth a closer look.
- Cost of funds of 1.77% sits at the 79th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 0.38% ranks in the 23rd percentile among structurally similar credit unions — a relative strength.
- On Net interest margin, the asset-size band puts this credit union at the 40th percentile but its structural peers at the 10th — a 30-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 | ROUTE 31 | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $101.54M | 2th pct | 26th pct |
| Members | 9,472 | 29th pct | 39th pct |
| Net worth ratio | 13.51% | 75th pct | 70th pct |
| Return on average assets | 1.05% | 72th pct | 61th pct |
| Net interest margin | 3.50% | 40th pct | 10th pct |
| Cost of funds | 1.77% | 79th pct | 79th pct |
| Loan-to-share | 70.83% | 48th pct | 56th pct |
| Delinquency 60+ days | 0.38% | 30th pct | 23th pct |
| Net charge-off ratio | 0.34% | 48th pct | 30th pct |
| Loan growth YoY | -4.24% | 9th pct | 11th pct |
| Share growth YoY | 5.02% | 71th pct | 61th pct |
| Efficiency ratio | 77.68% | 47th pct | 49th pct |
structural peer set hash: df77aad620b6340ded0f9590025fd958… (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.