SOO CO-OP
Charter #62325 · Sault Sainte Ma, MI · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 24,668 ranks in the 75th percentile among structurally similar credit unions — a relative strength.
- Net worth ratio of 13.31% ranks in the 79th percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 1.46% ranks in the 87th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.19% ranks in the 11th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 0.27% ranks in the 16th 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 | SOO CO-OP | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $324.75M | 77th pct | 70th pct |
| Members | 24,668 | 88th pct | 75th pct |
| Net worth ratio | 13.31% | 72th pct | 79th pct |
| Return on average assets | 1.46% | 88th pct | 87th pct |
| Net interest margin | 3.73% | 55th pct | 52th pct |
| Cost of funds | 0.19% | 9th pct | 11th pct |
| Loan-to-share | 63.94% | 34th pct | 49th pct |
| Delinquency 60+ days | 0.27% | 20th pct | 16th pct |
| Net charge-off ratio | 0.39% | 52th pct | 39th pct |
| Loan growth YoY | -0.58% | 40th pct | 46th pct |
| Share growth YoY | 5.21% | 73th pct | 67th pct |
| Efficiency ratio | 69.92% | 25th pct | 20th pct |
structural peer set hash: fcbb33f46c8d06f016152a2b75cda0d1… (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.