WILDFIRE
Charter #60057 · Saginaw, MI · >$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Cost of funds of 0.01% ranks in the 2nd percentile among structurally similar credit unions — a relative strength.
- On Total assets, the asset-size band puts this credit union at the 13th percentile but its structural peers at the 57th — a 44-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 | WILDFIRE | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $1.19B | 13th pct | 57th pct |
| Members | 50,257 | 4th pct | 39th pct |
| Net worth ratio | 10.91% | 54th pct | 51th pct |
| Return on average assets | 0.48% | 28th pct | 30th pct |
| Net interest margin | 3.15% | 37th pct | 26th pct |
| Cost of funds | 0.01% | 1th pct | 2th pct |
| Loan-to-share | 67.14% | 13th pct | 30th pct |
| Delinquency 60+ days | 0.49% | 36th pct | 34th pct |
| Net charge-off ratio | 0.55% | 54th pct | 66th pct |
| Loan growth YoY | 4.52% | 77th pct | 87th pct |
| Share growth YoY | 3.42% | 37th pct | 33th pct |
| Efficiency ratio | 78.69% | 73th pct | 61th pct |
structural peer set hash: 890a0e85085faa168bc8a9c3c7a5e490… (reproducible)
Closest structural peers
This is the free public view
Claim WILDFIRE
Unlock the full operating picture — scenario modeling, deposit & collections packs, the governed action framework, and an exam-ready evidence binder with every number traced to its basis.
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.