OUR
Charter #62028 · Royal Oak, MI · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- On Cost of funds, the asset-size band puts this credit union at the 30th percentile but its structural peers at the 48th — a 18-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 | OUR | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $369.82M | 85th pct | 80th pct |
| Members | 23,532 | 86th pct | 72th pct |
| Net worth ratio | 9.94% | 27th pct | 30th pct |
| Return on average assets | 0.53% | 38th pct | 30th pct |
| Net interest margin | 3.64% | 49th pct | 51th pct |
| Cost of funds | 0.82% | 30th pct | 48th pct |
| Loan-to-share | 65.79% | 37th pct | 36th pct |
| Delinquency 60+ days | 0.45% | 37th pct | 31th pct |
| Net charge-off ratio | 0.53% | 68th pct | 66th pct |
| Loan growth YoY | 1.80% | 64th pct | 66th pct |
| Share growth YoY | 4.07% | 58th pct | 49th pct |
| Efficiency ratio | 80.03% | 56th pct | 56th pct |
structural peer set hash: 4959b0a8a4139fe5bdc1da5967f053a5… (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.