ARBOR FINANCIAL
Charter #61708 · KALAMAZOO, MI · $500M-$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Net interest margin of 3.21% sits at the 20th percentile of structural peers — worth a closer look.
- Cost of funds of 0.35% ranks in the 7th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 1.28% sits at the 92nd percentile of structural peers — worth a closer look.
- Net charge-off ratio of 0.20% ranks in the 15th percentile among structurally similar credit unions — a relative strength.
- On Total assets, the asset-size band puts this credit union at the 86th percentile but its structural peers at the 36th — a 50-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 | ARBOR FINANCIAL | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $905.27M | 86th pct | 36th pct |
| Members | 47,329 | 68th pct | 34th pct |
| Net worth ratio | 10.34% | 47th pct | 61th pct |
| Return on average assets | 0.63% | 51th pct | 54th pct |
| Net interest margin | 3.21% | 31th pct | 20th pct |
| Cost of funds | 0.35% | 12th pct | 7th pct |
| Loan-to-share | 87.29% | 69th pct | 49th pct |
| Delinquency 60+ days | 1.28% | 89th pct | 92th pct |
| Net charge-off ratio | 0.20% | 20th pct | 15th pct |
| Loan growth YoY | -1.03% | 27th pct | 23th pct |
| Share growth YoY | 1.47% | 17th pct | 16th pct |
| Efficiency ratio | 82.81% | 71th pct | 66th pct |
structural peer set hash: dffac3193d6c68456a92c949bebea504… (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.