MEMBERS FIRST
Charter #62076 · Midland, MI · $500M-$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 8.92% sits at the 11th percentile of structural peers — worth a closer look.
- Return on average assets of -0.22% sits at the 2nd percentile of structural peers — worth a closer look.
- Net charge-off ratio of 1.15% sits at the 79th percentile of structural peers — worth a closer look.
- Efficiency ratio of 88.38% sits at the 92nd percentile of structural peers — worth a closer look.
- On Net interest margin, the asset-size band puts this credit union at the 88th percentile but its structural peers at the 54th — a 34-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 | MEMBERS FIRST | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $904.13M | 86th pct | 57th pct |
| Members | 67,425 | 94th pct | 61th pct |
| Net worth ratio | 8.92% | 18th pct | 11th pct |
| Return on average assets | -0.22% | 3th pct | 2th pct |
| Net interest margin | 4.09% | 88th pct | 54th pct |
| Cost of funds | 0.71% | 17th pct | 28th pct |
| Loan-to-share | 79.92% | 46th pct | 48th pct |
| Delinquency 60+ days | 0.66% | 57th pct | 41th pct |
| Net charge-off ratio | 1.15% | 93th pct | 79th pct |
| Loan growth YoY | -3.82% | 7th pct | 2th pct |
| Share growth YoY | 3.10% | 37th pct | 30th pct |
| Efficiency ratio | 88.38% | 86th pct | 92th pct |
structural peer set hash: e3d4663dbcc3f6a1af8e4f25e90d3a69… (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.