MICHIGAN UNITED
Charter #61698 · Auburn Hills, MI · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 0.36% sits at the 20th percentile of structural peers — worth a closer look.
- Net interest margin of 4.20% ranks in the 75th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.02% ranks in the 8th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 0.09% ranks in the 2nd percentile among structurally similar credit unions — a relative strength.
- On Members, the asset-size band puts this credit union at the 87th percentile but its structural peers at the 66th — a 21-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 UNITED | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $346.41M | 81th pct | 70th pct |
| Members | 24,056 | 87th pct | 66th pct |
| Net worth ratio | 11.91% | 56th pct | 69th pct |
| Return on average assets | 0.36% | 27th pct | 20th pct |
| Net interest margin | 4.20% | 81th pct | 75th pct |
| Cost of funds | 0.02% | 3th pct | 8th pct |
| Loan-to-share | 73.94% | 54th pct | 56th pct |
| Delinquency 60+ days | 0.09% | 6th pct | 2th pct |
| Net charge-off ratio | 0.59% | 71th pct | 59th pct |
| Loan growth YoY | 1.58% | 63th pct | 54th pct |
| Share growth YoY | 4.34% | 62th pct | 52th pct |
| Efficiency ratio | 82.22% | 63th pct | 72th pct |
structural peer set hash: 4bf2a06bbb7fc5c0d9ff1bfedd47a1a4… (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.