WOLVERINE STATE
Charter #62203 · Alpena, MI · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 9,724 sits at the 25th percentile of structural peers — worth a closer look.
- Return on average assets of -0.55% sits at the 0th percentile of structural peers — worth a closer look.
- Cost of funds of 0.06% ranks in the 3rd percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 1.24% sits at the 97th 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 | WOLVERINE STATE | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $169.14M | 39th pct | 34th pct |
| Members | 9,724 | 31th pct | 25th pct |
| Net worth ratio | 9.67% | 24th pct | 33th pct |
| Return on average assets | -0.55% | 3th pct | 0th pct |
| Net interest margin | 3.71% | 53th pct | 51th pct |
| Cost of funds | 0.06% | 5th pct | 3th pct |
| Loan-to-share | 72.77% | 51th pct | 56th pct |
| Delinquency 60+ days | 0.41% | 32th pct | 36th pct |
| Net charge-off ratio | 1.24% | 93th pct | 97th pct |
| Loan growth YoY | 5.32% | 88th pct | 93th pct |
| Share growth YoY | 4.67% | 67th pct | 64th pct |
| Efficiency ratio | 82.03% | 62th pct | 66th pct |
structural peer set hash: 93fa65445d3f1e00c9f3ed96ac3c8648… (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.