PREFERRED
Charter #62340 · Grand Rapids, MI · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 23,429 ranks in the 84th percentile among structurally similar credit unions — a relative strength.
- Net worth ratio of 14.00% ranks in the 75th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.03% ranks in the 13th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.19% ranks in the 18th 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 | PREFERRED | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $317.86M | 76th pct | 80th pct |
| Members | 23,429 | 86th pct | 84th pct |
| Net worth ratio | 14.00% | 79th pct | 75th pct |
| Return on average assets | 1.16% | 77th pct | 72th pct |
| Net interest margin | 3.81% | 60th pct | 59th pct |
| Cost of funds | 0.03% | 4th pct | 13th pct |
| Loan-to-share | 57.69% | 22th pct | 34th pct |
| Delinquency 60+ days | 0.43% | 35th pct | 34th pct |
| Net charge-off ratio | 0.19% | 30th pct | 18th pct |
| Loan growth YoY | -3.11% | 16th pct | 18th pct |
| Share growth YoY | 4.20% | 61th pct | 56th pct |
| Efficiency ratio | 76.67% | 43th pct | 38th pct |
structural peer set hash: 1dabf0b59bad274ce98d899612f35f6f… (reproducible)
Closest structural peers
This is the free public view
Claim PREFERRED
Unlock the full operating picture — scenario modeling, deposit & collections packs, the governed action framework, and an exam-ready evidence binder with every number traced to its basis.
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.