ISABELLA COMMUNITY
Charter #61318 · MT Pleasant, MI · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 1.14% ranks in the 77th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 3.26% sits at the 18th percentile of structural peers — worth a closer look.
- Cost of funds of 0.03% ranks in the 8th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 72.77% ranks in the 23rd percentile among structurally similar credit unions — a relative strength.
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 | ISABELLA COMMUNITY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $222.64M | 57th pct | 62th pct |
| Members | 13,540 | 51th pct | 51th pct |
| Net worth ratio | 9.71% | 24th pct | 30th pct |
| Return on average assets | 1.14% | 77th pct | 77th pct |
| Net interest margin | 3.26% | 27th pct | 18th pct |
| Cost of funds | 0.03% | 4th pct | 8th pct |
| Loan-to-share | 58.15% | 23th pct | 26th pct |
| Delinquency 60+ days | 0.81% | 66th pct | 66th pct |
| Net charge-off ratio | 0.30% | 43th pct | 46th pct |
| Loan growth YoY | 0.79% | 55th pct | 54th pct |
| Share growth YoY | 4.51% | 65th pct | 56th pct |
| Efficiency ratio | 72.77% | 31th pct | 23th pct |
structural peer set hash: 16b65573b9c5a5e2ae1d49c00a9aafe1… (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.