BEST FINANCIAL
Charter #62027 · MUSKEGON, MI · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 14.56% ranks in the 77th percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 0.02% sits at the 2nd percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 1.61% sits at the 89th percentile of structural peers — worth a closer look.
- On Net interest margin, the asset-size band puts this credit union at the 67th percentile but its structural peers at the 39th — a 27-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 | BEST FINANCIAL | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $156.06M | 34th pct | 34th pct |
| Members | 12,930 | 49th pct | 36th pct |
| Net worth ratio | 14.56% | 83th pct | 77th pct |
| Return on average assets | 0.02% | 8th pct | 2th pct |
| Net interest margin | 3.90% | 67th pct | 39th pct |
| Cost of funds | 0.51% | 20th pct | 34th pct |
| Loan-to-share | 79.03% | 66th pct | 59th pct |
| Delinquency 60+ days | 1.61% | 91th pct | 89th pct |
| Net charge-off ratio | 0.73% | 80th pct | 69th pct |
| Loan growth YoY | 0.34% | 51th pct | 43th pct |
| Share growth YoY | 12.35% | 98th pct | 97th pct |
| Efficiency ratio | 80.24% | 57th pct | 69th pct |
structural peer set hash: ab2afb2c13b0a08f4dc8f11e4e4d62e7… (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.