IGNITE
Charter #62072 · Battle Creek, MI · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 30,075 ranks in the 80th percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 0.06% sits at the 7th percentile of structural peers — worth a closer look.
- Net interest margin of 4.39% ranks in the 79th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.37% ranks in the 23rd percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 95.62% sits at the 97th percentile of structural peers — worth a closer look.
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 | IGNITE | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $376.28M | 86th pct | 64th pct |
| Members | 30,075 | 94th pct | 80th pct |
| Net worth ratio | 10.17% | 30th pct | 39th pct |
| Return on average assets | 0.06% | 10th pct | 7th pct |
| Net interest margin | 4.39% | 87th pct | 79th pct |
| Cost of funds | 0.37% | 15th pct | 23th pct |
| Loan-to-share | 87.33% | 84th pct | 77th pct |
| Delinquency 60+ days | 0.79% | 64th pct | 69th pct |
| Net charge-off ratio | 0.57% | 71th pct | 59th pct |
| Loan growth YoY | -1.54% | 30th pct | 15th pct |
| Share growth YoY | 1.06% | 18th pct | 15th pct |
| Efficiency ratio | 95.62% | 95th pct | 97th pct |
structural peer set hash: d5053188426cc428e5e330556ba22512… (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.