KALSEE
Charter #61219 · Kalamazoo, MI · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Delinquency 60+ days of 0.26% ranks in the 11th percentile among structurally similar credit unions — a relative strength.
- On Net charge-off ratio, the asset-size band puts this credit union at the 65th percentile but its structural peers at the 31st — a 34-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 | KALSEE | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $293.34M | 73th pct | 56th pct |
| Members | 21,952 | 83th pct | 56th pct |
| Net worth ratio | 10.32% | 32th pct | 33th pct |
| Return on average assets | 0.69% | 49th pct | 57th pct |
| Net interest margin | 4.06% | 74th pct | 48th pct |
| Cost of funds | 1.14% | 45th pct | 61th pct |
| Loan-to-share | 84.51% | 78th pct | 72th pct |
| Delinquency 60+ days | 0.26% | 19th pct | 11th pct |
| Net charge-off ratio | 0.50% | 65th pct | 31th pct |
| Loan growth YoY | -0.90% | 37th pct | 30th pct |
| Share growth YoY | 5.07% | 71th pct | 75th pct |
| Efficiency ratio | 83.29% | 67th pct | 66th pct |
structural peer set hash: 14e6f32b2903d02869f081be45a68361… (reproducible)
Closest structural peers
This is the free public view
Claim KALSEE
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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.