FAMILY FINANCIAL
Charter #61633 · Norton Shores, MI · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 0.26% sits at the 16th percentile of structural peers — worth a closer look.
- Net interest margin of 3.53% sits at the 21st percentile of structural peers — worth a closer look.
- Cost of funds of 0.30% ranks in the 20th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 1.02% sits at the 82nd percentile of structural peers — worth a closer look.
- Net charge-off ratio of 0.16% ranks in the 13th 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 | FAMILY FINANCIAL | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $169.21M | 39th pct | 38th pct |
| Members | 16,646 | 65th pct | 56th pct |
| Net worth ratio | 11.42% | 49th pct | 52th pct |
| Return on average assets | 0.26% | 20th pct | 16th pct |
| Net interest margin | 3.53% | 42th pct | 21th pct |
| Cost of funds | 0.30% | 12th pct | 20th pct |
| Loan-to-share | 64.64% | 35th pct | 41th pct |
| Delinquency 60+ days | 1.02% | 77th pct | 82th pct |
| Net charge-off ratio | 0.16% | 26th pct | 13th pct |
| Loan growth YoY | -0.08% | 47th pct | 54th pct |
| Share growth YoY | 4.51% | 64th pct | 56th pct |
| Efficiency ratio | 90.87% | 87th pct | 85th pct |
structural peer set hash: a0693815e2590efc80efaf80717d869d… (reproducible)
Closest structural peers
This is the free public view
Claim FAMILY FINANCIAL
Unlock the full operating picture — scenario modeling, deposit & collections packs, the governed action framework, and an exam-ready evidence binder with every number traced to its basis.
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.