MICHIGAN EDUCATIONAL
Charter #60931 · Plymouth, MI · >$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 0.41% sits at the 18th percentile of structural peers — worth a closer look.
- Net interest margin of 2.63% sits at the 10th percentile of structural peers — worth a closer look.
- Cost of funds of 0.11% ranks in the 13th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 0.24% ranks in the 16th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 84.88% sits at the 85th 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 | MICHIGAN EDUCATIONAL | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $1.11B | 8th pct | 79th pct |
| Members | 47,969 | 3th pct | 64th pct |
| Net worth ratio | 11.54% | 65th pct | 54th pct |
| Return on average assets | 0.41% | 21th pct | 18th pct |
| Net interest margin | 2.63% | 13th pct | 10th pct |
| Cost of funds | 0.11% | 4th pct | 13th pct |
| Loan-to-share | 48.80% | 2th pct | 5th pct |
| Delinquency 60+ days | 0.24% | 11th pct | 16th pct |
| Net charge-off ratio | 0.21% | 15th pct | 28th pct |
| Loan growth YoY | -1.24% | 12th pct | 26th pct |
| Share growth YoY | 3.90% | 45th pct | 48th pct |
| Efficiency ratio | 84.88% | 90th pct | 85th pct |
structural peer set hash: fdaa89451a35dc315c6ed2421df25c0b… (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.