MARSHALL COMMUNITY
Charter #62160 · Marshall, MI · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 16.67% ranks in the 90th percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 1.81% ranks in the 90th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 4.13% ranks in the 80th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.55% ranks in the 23rd percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 1.23% sits at the 85th 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 | MARSHALL COMMUNITY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $369.58M | 85th pct | 66th pct |
| Members | 16,373 | 65th pct | 51th pct |
| Net worth ratio | 16.67% | 92th pct | 90th pct |
| Return on average assets | 1.81% | 94th pct | 90th pct |
| Net interest margin | 4.13% | 78th pct | 80th pct |
| Cost of funds | 0.55% | 21th pct | 23th pct |
| Loan-to-share | 78.33% | 64th pct | 56th pct |
| Delinquency 60+ days | 1.23% | 84th pct | 85th pct |
| Net charge-off ratio | 0.43% | 56th pct | 62th pct |
| Loan growth YoY | -0.04% | 47th pct | 36th pct |
| Share growth YoY | 5.30% | 74th pct | 67th pct |
| Efficiency ratio | 64.41% | 14th pct | 18th pct |
structural peer set hash: a3e6385b3caf71b65b833245d55f775e… (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.