CASE
Charter #61908 · Lansing, MI · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 0.36% sits at the 23rd percentile of structural peers — worth a closer look.
- Net interest margin of 4.36% ranks in the 79th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 86.24% sits at the 82nd percentile of structural peers — worth a closer look.
- On Members, the asset-size band puts this credit union at the 91st percentile but its structural peers at the 66th — a 25-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 | CASE | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $405.20M | 90th pct | 67th pct |
| Members | 26,822 | 91th pct | 66th pct |
| Net worth ratio | 10.77% | 40th pct | 51th pct |
| Return on average assets | 0.36% | 27th pct | 23th pct |
| Net interest margin | 4.36% | 86th pct | 79th pct |
| Cost of funds | 0.72% | 26th pct | 28th pct |
| Loan-to-share | 87.12% | 84th pct | 79th pct |
| Delinquency 60+ days | 0.60% | 49th pct | 30th pct |
| Net charge-off ratio | 0.69% | 78th pct | 70th pct |
| Loan growth YoY | 0.24% | 50th pct | 41th pct |
| Share growth YoY | 5.54% | 77th pct | 77th pct |
| Efficiency ratio | 86.24% | 76th pct | 82th pct |
structural peer set hash: aac331e335bef03b8b7e2d19d438f57f… (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.