PEOPLE DRIVEN
Charter #61068 · Southfield, MI · $500M-$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 25,220 sits at the 5th percentile of structural peers — worth a closer look.
- Net interest margin of 4.39% ranks in the 97th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.28% ranks in the 7th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 1.09% sits at the 89th percentile of structural peers — worth a closer look.
- On Delinquency 60+ days, the asset-size band puts this credit union at the 50th percentile but its structural peers at the 34th — a 15-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 | PEOPLE DRIVEN | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $514.81M | 5th pct | 10th pct |
| Members | 25,220 | 7th pct | 5th pct |
| Net worth ratio | 9.91% | 40th pct | 49th pct |
| Return on average assets | 0.46% | 34th pct | 38th pct |
| Net interest margin | 4.39% | 94th pct | 97th pct |
| Cost of funds | 0.28% | 10th pct | 7th pct |
| Loan-to-share | 86.83% | 68th pct | 52th pct |
| Delinquency 60+ days | 0.58% | 50th pct | 34th pct |
| Net charge-off ratio | 1.09% | 91th pct | 89th pct |
| Loan growth YoY | 4.51% | 88th pct | 85th pct |
| Share growth YoY | 5.66% | 77th pct | 75th pct |
| Efficiency ratio | 79.17% | 56th pct | 49th pct |
structural peer set hash: a4e2b56ec1b815b89d8dfc8f87eea183… (reproducible)
Closest structural peers
This is the free public view
Claim PEOPLE DRIVEN
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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.