INTANDEM
Charter #62249 · Grand Rapids, MI · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Cost of funds of 0.03% ranks in the 5th percentile among structurally similar credit unions — a relative strength.
- On Total assets, the asset-size band puts this credit union at the 60th percentile but its structural peers at the 43rd — a 17-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 | INTANDEM | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $76.48M | 60th pct | 43th pct |
| Members | 4,933 | 48th pct | 36th pct |
| Net worth ratio | 11.57% | 37th pct | 44th pct |
| Return on average assets | 0.73% | 51th pct | 56th pct |
| Net interest margin | 3.99% | 66th pct | 67th pct |
| Cost of funds | 0.03% | 3th pct | 5th pct |
| Loan-to-share | 64.50% | 55th pct | 48th pct |
| Delinquency 60+ days | 0.58% | 49th pct | 39th pct |
| Net charge-off ratio | 0.15% | 39th pct | 43th pct |
| Loan growth YoY | -2.90% | 36th pct | 31th pct |
| Share growth YoY | 6.93% | 87th pct | 90th pct |
| Efficiency ratio | 85.29% | 66th pct | 56th pct |
structural peer set hash: 6d82b9825ba875802c1b07d3d8ec66e4… (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.