DOW
Charter #60137 · Midland, MI · >$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 0.23% sits at the 7th percentile of structural peers — worth a closer look.
- Net interest margin of 2.01% sits at the 0th percentile of structural peers — worth a closer look.
- Cost of funds of 0.07% ranks in the 8th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 0.27% ranks in the 18th percentile among structurally similar credit unions — a relative strength.
- On Members, the asset-size band puts this credit union at the 31st percentile but its structural peers at the 67th — a 36-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 | DOW | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $2.61B | 58th pct | 89th pct |
| Members | 83,834 | 31th pct | 67th pct |
| Net worth ratio | 9.79% | 29th pct | 30th pct |
| Return on average assets | 0.23% | 10th pct | 7th pct |
| Net interest margin | 2.01% | 2th pct | 0th pct |
| Cost of funds | 0.07% | 2th pct | 8th pct |
| Loan-to-share | 52.25% | 3th pct | 8th pct |
| Delinquency 60+ days | 0.27% | 12th pct | 18th pct |
| Net charge-off ratio | 0.54% | 53th pct | 52th pct |
| Loan growth YoY | -0.19% | 24th pct | 31th pct |
| Share growth YoY | 5.92% | 75th pct | 84th pct |
| Efficiency ratio | 73.80% | 54th pct | 33th pct |
structural peer set hash: f20fcf441f6fc11809ce42c2e22736d2… (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.