LOC
Charter #61404 · Farmington, MI · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 27,695 ranks in the 77th percentile among structurally similar credit unions — a relative strength.
- Net worth ratio of 9.95% sits at the 25th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 0.17% ranks in the 13th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.09% ranks in the 23rd percentile among structurally similar credit unions — a relative strength.
- On Net interest margin, the asset-size band puts this credit union at the 48th percentile but its structural peers at the 70th — a 23-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 | LOC | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $483.36M | 99th pct | 85th pct |
| Members | 27,695 | 91th pct | 77th pct |
| Net worth ratio | 9.95% | 27th pct | 25th pct |
| Return on average assets | 1.07% | 72th pct | 64th pct |
| Net interest margin | 3.62% | 48th pct | 70th pct |
| Cost of funds | 0.82% | 30th pct | 44th pct |
| Loan-to-share | 57.73% | 23th pct | 16th pct |
| Delinquency 60+ days | 0.17% | 11th pct | 13th pct |
| Net charge-off ratio | 0.09% | 17th pct | 23th pct |
| Loan growth YoY | -1.50% | 30th pct | 21th pct |
| Share growth YoY | 4.76% | 68th pct | 61th pct |
| Efficiency ratio | 76.26% | 42th pct | 48th pct |
structural peer set hash: 7e203a116df9c1c2f557ec4137c3f728… (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.