MICHIGAN COASTAL
Charter #61631 · Muskegon, MI · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 8.34% sits at the 15th percentile of structural peers — worth a closer look.
- Cost of funds of 1.83% sits at the 79th percentile of structural peers — worth a closer look.
- Efficiency ratio of 78.94% ranks in the 23rd percentile among structurally similar credit unions — a relative strength.
- On Total assets, the asset-size band puts this credit union at the 52nd percentile but its structural peers at the 16th — a 36-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 | MICHIGAN COASTAL | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $26.08M | 52th pct | 16th pct |
| Members | 2,429 | 61th pct | 34th pct |
| Net worth ratio | 8.34% | 6th pct | 15th pct |
| Return on average assets | 0.66% | 50th pct | 67th pct |
| Net interest margin | 4.62% | 82th pct | 74th pct |
| Cost of funds | 1.83% | 86th pct | 79th pct |
| Loan-to-share | 94.65% | 97th pct | 87th pct |
| Delinquency 60+ days | 0.54% | 48th pct | 31th pct |
| Net charge-off ratio | 0.34% | 65th pct | 74th pct |
| Loan growth YoY | -3.41% | 42th pct | 20th pct |
| Share growth YoY | -0.97% | 19th pct | 31th pct |
| Efficiency ratio | 78.94% | 46th pct | 23th pct |
structural peer set hash: ac711691653d97118c5a4717d9e3a494… (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.