MONTCALM PUBLIC EMPLOYEES
Charter #61999 · EDMORE, MI · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 1.40% ranks in the 75th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.17% ranks in the 15th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 1.06% sits at the 87th percentile of structural peers — worth a closer look.
- Efficiency ratio of 60.54% ranks in the 23rd 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 | MONTCALM PUBLIC EMPLOYEES | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $27.09M | 54th pct | 44th pct |
| Members | 1,769 | 36th pct | 28th pct |
| Net worth ratio | 16.44% | 68th pct | 61th pct |
| Return on average assets | 1.40% | 83th pct | 75th pct |
| Net interest margin | 3.26% | 25th pct | 30th pct |
| Cost of funds | 0.17% | 11th pct | 15th pct |
| Loan-to-share | 31.77% | 11th pct | 20th pct |
| Delinquency 60+ days | 1.38% | 76th pct | 74th pct |
| Net charge-off ratio | 1.06% | 87th pct | 87th pct |
| Loan growth YoY | -3.48% | 42th pct | 51th pct |
| Share growth YoY | 8.58% | 93th pct | 92th pct |
| Efficiency ratio | 60.54% | 12th pct | 23th pct |
structural peer set hash: da981bdb796a97df90a4044973153429… (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.