MONROE COMMUNITY
Charter #61748 · Monroe, MI · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 31,766 ranks in the 90th percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 1.46% ranks in the 82nd percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.02% ranks in the 5th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 0.18% ranks in the 18th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.12% ranks in the 20th 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 | MONROE COMMUNITY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $404.39M | 90th pct | 77th pct |
| Members | 31,766 | 95th pct | 90th pct |
| Net worth ratio | 11.10% | 45th pct | 49th pct |
| Return on average assets | 1.46% | 88th pct | 82th pct |
| Net interest margin | 3.83% | 62th pct | 72th pct |
| Cost of funds | 0.02% | 3th pct | 5th pct |
| Loan-to-share | 73.64% | 53th pct | 61th pct |
| Delinquency 60+ days | 0.18% | 12th pct | 18th pct |
| Net charge-off ratio | 0.12% | 20th pct | 20th pct |
| Loan growth YoY | 4.46% | 84th pct | 79th pct |
| Share growth YoY | 4.72% | 68th pct | 54th pct |
| Efficiency ratio | 69.64% | 24th pct | 20th pct |
structural peer set hash: ac2fe2076cbb4428989a9580ce915cc1… (reproducible)
Closest structural peers
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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.