WESTACRES
Charter #62316 · WEST BLOOMFIELD, MI · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Net interest margin of 1.77% sits at the 7th percentile of structural peers — worth a closer look.
- Cost of funds of 1.98% sits at the 93rd percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 0.00% ranks in the 0th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.00% ranks in the 23rd percentile among structurally similar credit unions — a relative strength.
- On Total assets, the asset-size band puts this credit union at the 79th percentile but its structural peers at the 41st — a 38-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 | WESTACRES | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $6.94M | 79th pct | 41th pct |
| Members | 566 | 49th pct | 26th pct |
| Net worth ratio | 13.69% | 30th pct | 46th pct |
| Return on average assets | 0.36% | 48th pct | 43th pct |
| Net interest margin | 1.77% | 5th pct | 7th pct |
| Cost of funds | 1.98% | 88th pct | 93th pct |
| Loan-to-share | 20.85% | 11th pct | 18th pct |
| Delinquency 60+ days | 0.00% | 0th pct | 0th pct |
| Net charge-off ratio | 0.00% | 22th pct | 23th pct |
| Loan growth YoY | -10.54% | 26th pct | 31th pct |
| Share growth YoY | -1.01% | 41th pct | 39th pct |
| Efficiency ratio | 79.91% | 40th pct | 38th pct |
structural peer set hash: 202e62493b1d6813b7369e882beb842b… (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.