ADVENTURE
Charter #60936 · Grand Rapids, MI · $500M-$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 0.13% sits at the 8th percentile of structural peers — worth a closer look.
- Net interest margin of 3.93% ranks in the 75th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.06% ranks in the 7th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 88.40% sits at the 85th percentile of structural peers — worth a closer look.
- On Members, the asset-size band puts this credit union at the 54th percentile but its structural peers at the 34th — a 20-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 | ADVENTURE | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $642.00M | 34th pct | 23th pct |
| Members | 43,275 | 54th pct | 34th pct |
| Net worth ratio | 11.41% | 65th pct | 69th pct |
| Return on average assets | 0.13% | 11th pct | 8th pct |
| Net interest margin | 3.93% | 80th pct | 75th pct |
| Cost of funds | 0.06% | 3th pct | 7th pct |
| Loan-to-share | 79.74% | 45th pct | 38th pct |
| Delinquency 60+ days | 0.61% | 51th pct | 44th pct |
| Net charge-off ratio | 0.53% | 59th pct | 62th pct |
| Loan growth YoY | 5.29% | 90th pct | 85th pct |
| Share growth YoY | 3.62% | 44th pct | 43th pct |
| Efficiency ratio | 88.40% | 86th pct | 85th pct |
structural peer set hash: e8edb2789f33de7369ab8e3f7a25818a… (reproducible)
Closest structural peers
This is the free public view
Claim ADVENTURE
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.