CONSUMERS
Charter #62172 · Oshtemo, MI · >$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 9.08% sits at the 15th percentile of structural peers — worth a closer look.
- Net interest margin of 3.04% sits at the 15th percentile of structural peers — worth a closer look.
- Cost of funds of 1.09% ranks in the 23rd percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 0.21% ranks in the 2nd percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.24% ranks in the 5th 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 | CONSUMERS | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $2.86B | 63th pct | 59th pct |
| Members | 153,309 | 61th pct | 52th pct |
| Net worth ratio | 9.08% | 15th pct | 15th pct |
| Return on average assets | 0.97% | 71th pct | 56th pct |
| Net interest margin | 3.04% | 29th pct | 15th pct |
| Cost of funds | 1.09% | 22th pct | 23th pct |
| Loan-to-share | 100.66% | 92th pct | 90th pct |
| Delinquency 60+ days | 0.21% | 9th pct | 2th pct |
| Net charge-off ratio | 0.24% | 18th pct | 5th pct |
| Loan growth YoY | 2.85% | 65th pct | 33th pct |
| Share growth YoY | 12.23% | 95th pct | 93th pct |
| Efficiency ratio | 74.18% | 55th pct | 66th pct |
structural peer set hash: be10495e68e33f0fd34eaaa01606d207… (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.