ONE DETROIT
Charter #61495 · Detroit, MI · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 12,460 ranks in the 85th percentile among structurally similar credit unions — a relative strength.
- Net worth ratio of 21.70% ranks in the 92nd percentile among structurally similar credit unions — a relative strength.
- Return on average assets of -1.48% sits at the 0th percentile of structural peers — worth a closer look.
- Net interest margin of 6.28% ranks in the 95th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.03% ranks in the 7th 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 | ONE DETROIT | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $65.04M | 37th pct | 31th pct |
| Members | 12,460 | 98th pct | 85th pct |
| Net worth ratio | 21.70% | 94th pct | 92th pct |
| Return on average assets | -1.48% | 2th pct | 0th pct |
| Net interest margin | 6.28% | 100th pct | 95th pct |
| Cost of funds | 0.03% | 3th pct | 7th pct |
| Loan-to-share | 73.14% | 73th pct | 62th pct |
| Delinquency 60+ days | 1.94% | 93th pct | 84th pct |
| Net charge-off ratio | 3.69% | 100th pct | 98th pct |
| Loan growth YoY | -0.04% | 64th pct | 62th pct |
| Share growth YoY | 6.21% | 83th pct | 85th pct |
| Efficiency ratio | 98.14% | 93th pct | 95th pct |
structural peer set hash: a5554c350f1577b504d49c9ae7d1767d… (reproducible)
Closest structural peers
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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.