MICHIGAN ONE COMMUNITY
Charter #62169 · Ionia, MI · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Net interest margin of 3.24% sits at the 11th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 0.22% ranks in the 10th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.14% ranks in the 15th percentile among structurally similar credit unions — a relative strength.
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 ONE COMMUNITY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $237.85M | 60th pct | 52th pct |
| Members | 18,877 | 74th pct | 64th pct |
| Net worth ratio | 9.93% | 27th pct | 36th pct |
| Return on average assets | 0.78% | 55th pct | 59th pct |
| Net interest margin | 3.24% | 25th pct | 11th pct |
| Cost of funds | 0.51% | 19th pct | 26th pct |
| Loan-to-share | 82.46% | 74th pct | 64th pct |
| Delinquency 60+ days | 0.22% | 15th pct | 10th pct |
| Net charge-off ratio | 0.14% | 23th pct | 15th pct |
| Loan growth YoY | -0.69% | 39th pct | 25th pct |
| Share growth YoY | 4.80% | 69th pct | 59th pct |
| Efficiency ratio | 81.51% | 61th pct | 61th pct |
structural peer set hash: e3a4f1115ba447143beb6fe1509e498c… (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.