MICHIGAN SCHOOLS AND GOVERNMENT
Charter #62049 · Clinton Townshi, MI · >$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 12.20% ranks in the 80th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 2.90% sits at the 16th percentile of structural peers — worth a closer look.
- Cost of funds of 0.57% ranks in the 15th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 0.38% ranks in the 16th percentile among structurally similar credit unions — a relative strength.
- On Members, the asset-size band puts this credit union at the 63rd percentile but its structural peers at the 36th — 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 | MICHIGAN SCHOOLS AND GOVERNMENT | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $4.37B | 77th pct | 67th pct |
| Members | 162,111 | 63th pct | 36th pct |
| Net worth ratio | 12.20% | 74th pct | 80th pct |
| Return on average assets | 0.75% | 53th pct | 34th pct |
| Net interest margin | 2.90% | 21th pct | 16th pct |
| Cost of funds | 0.57% | 13th pct | 15th pct |
| Loan-to-share | 100.98% | 92th pct | 90th pct |
| Delinquency 60+ days | 0.38% | 24th pct | 16th pct |
| Net charge-off ratio | 0.33% | 25th pct | 28th pct |
| Loan growth YoY | 2.99% | 66th pct | 67th pct |
| Share growth YoY | 7.26% | 83th pct | 87th pct |
| Efficiency ratio | 67.34% | 30th pct | 39th pct |
structural peer set hash: ef764c20996f5c24db66ac668771c968… (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.