TBA
Charter #61795 · TRAVERSE CITY, MI · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 14.69% ranks in the 82nd percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 4.49% ranks in the 87th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 1.65% sits at the 92nd percentile of structural peers — worth a closer look.
- Net charge-off ratio of 0.79% sits at the 87th percentile of structural peers — worth a closer look.
- Efficiency ratio of 68.10% ranks in the 25th 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 | TBA | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $383.80M | 87th pct | 79th pct |
| Members | 20,600 | 79th pct | 57th pct |
| Net worth ratio | 14.69% | 84th pct | 82th pct |
| Return on average assets | 1.10% | 74th pct | 70th pct |
| Net interest margin | 4.49% | 89th pct | 87th pct |
| Cost of funds | 0.91% | 34th pct | 43th pct |
| Loan-to-share | 80.67% | 69th pct | 62th pct |
| Delinquency 60+ days | 1.65% | 92th pct | 92th pct |
| Net charge-off ratio | 0.79% | 83th pct | 87th pct |
| Loan growth YoY | -1.26% | 33th pct | 23th pct |
| Share growth YoY | 2.63% | 37th pct | 30th pct |
| Efficiency ratio | 68.10% | 21th pct | 25th pct |
structural peer set hash: 0fc78d4ca38bd96392e73282cc01395b… (reproducible)
Closest structural peers
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Claim TBA
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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.