SECURITY
Charter #61159 · GRAND BLANC, MI · $500M-$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 0.28% sits at the 20th percentile of structural peers — worth a closer look.
- Net interest margin of 4.68% ranks in the 97th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.07% ranks in the 8th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 0.86% sits at the 79th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 1.10% 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 | SECURITY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $651.78M | 36th pct | 26th pct |
| Members | 53,803 | 80th pct | 49th pct |
| Net worth ratio | 9.72% | 37th pct | 38th pct |
| Return on average assets | 0.28% | 21th pct | 20th pct |
| Net interest margin | 4.68% | 97th pct | 97th pct |
| Cost of funds | 0.07% | 5th pct | 8th pct |
| Loan-to-share | 85.21% | 64th pct | 51th pct |
| Delinquency 60+ days | 0.86% | 71th pct | 79th pct |
| Net charge-off ratio | 1.10% | 92th pct | 85th pct |
| Loan growth YoY | -2.57% | 14th pct | 3th pct |
| Share growth YoY | 4.09% | 51th pct | 33th pct |
| Efficiency ratio | 81.64% | 65th pct | 66th pct |
structural peer set hash: 205ce3bfa1b4e48372212632e924613b… (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.