UNIVERSITY OF MICHIGAN
Charter #61552 · Ann Arbor, MI · >$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Cost of funds of 0.60% ranks in the 11th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 84.81% sits at the 87th percentile of structural peers — worth a closer look.
- On Net interest margin, the asset-size band puts this credit union at the 89th percentile but its structural peers at the 54th — a 35-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 | UNIVERSITY OF MICHIGAN | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $1.45B | 26th pct | 54th pct |
| Members | 122,745 | 51th pct | 64th pct |
| Net worth ratio | 10.72% | 50th pct | 44th pct |
| Return on average assets | 0.40% | 21th pct | 28th pct |
| Net interest margin | 4.06% | 89th pct | 54th pct |
| Cost of funds | 0.60% | 14th pct | 11th pct |
| Loan-to-share | 99.68% | 89th pct | 93th pct |
| Delinquency 60+ days | 0.74% | 62th pct | 48th pct |
| Net charge-off ratio | 0.67% | 63th pct | 30th pct |
| Loan growth YoY | -0.99% | 15th pct | 18th pct |
| Share growth YoY | 5.79% | 73th pct | 77th pct |
| Efficiency ratio | 84.81% | 90th pct | 87th pct |
structural peer set hash: e10f39f121c430d21a9caeaaf8fc9b6b… (reproducible)
Closest structural peers
This is the free public view
Claim UNIVERSITY OF MICHIGAN
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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.