FRANKENMUTH
Charter #61755 · Frankenmuth, MI · >$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 1.53% ranks in the 93rd percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 1.07% sits at the 82nd percentile of structural peers — worth a closer look.
- Net charge-off ratio of 0.46% ranks in the 25th percentile among structurally similar credit unions — a relative strength.
- On Total assets, the asset-size band puts this credit union at the 34th percentile but its structural peers at the 56th — a 22-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 | FRANKENMUTH | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $1.57B | 34th pct | 56th pct |
| Members | 78,016 | 26th pct | 43th pct |
| Net worth ratio | 10.17% | 36th pct | 36th pct |
| Return on average assets | 1.53% | 94th pct | 93th pct |
| Net interest margin | 3.81% | 80th pct | 62th pct |
| Cost of funds | 0.71% | 15th pct | 26th pct |
| Loan-to-share | 81.46% | 35th pct | 39th pct |
| Delinquency 60+ days | 1.07% | 82th pct | 82th pct |
| Net charge-off ratio | 0.46% | 43th pct | 25th pct |
| Loan growth YoY | 1.01% | 39th pct | 48th pct |
| Share growth YoY | 4.84% | 62th pct | 64th pct |
| Efficiency ratio | 73.37% | 52th pct | 34th pct |
structural peer set hash: 3fa5dcac9eb041623c1941b06ae0d360… (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.