TEAM ONE
Charter #62141 · SAGINAW, MI · $500M-$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 0.88% ranks in the 75th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.31% ranks in the 21st percentile among structurally similar credit unions — a relative strength.
- On Members, the asset-size band puts this credit union at the 66th percentile but its structural peers at the 38th — a 28-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 | TEAM ONE | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $767.35M | 64th pct | 46th pct |
| Members | 46,852 | 66th pct | 38th pct |
| Net worth ratio | 9.69% | 36th pct | 33th pct |
| Return on average assets | 0.88% | 64th pct | 75th pct |
| Net interest margin | 3.74% | 71th pct | 57th pct |
| Cost of funds | 0.32% | 11th pct | 26th pct |
| Loan-to-share | 74.45% | 32th pct | 38th pct |
| Delinquency 60+ days | 0.68% | 61th pct | 46th pct |
| Net charge-off ratio | 0.31% | 39th pct | 21th pct |
| Loan growth YoY | -2.11% | 17th pct | 13th pct |
| Share growth YoY | 1.86% | 20th pct | 20th pct |
| Efficiency ratio | 76.16% | 40th pct | 31th pct |
structural peer set hash: d3c22f64369a00e919126c0a0cb77998… (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.