DETOUR DRUMMOND COMMUNITY
Charter #62344 · DRUMMOND ISLAND, MI · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Net interest margin of 4.14% ranks in the 89th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.21% ranks in the 7th 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 Net interest margin, the asset-size band puts this credit union at the 65th percentile but its structural peers at the 89th — a 24-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 | DETOUR DRUMMOND COMMUNITY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $38.99M | 80th pct | 57th pct |
| Members | 2,007 | 46th pct | 51th pct |
| Net worth ratio | 17.64% | 74th pct | 66th pct |
| Return on average assets | 1.22% | 77th pct | 74th pct |
| Net interest margin | 4.14% | 65th pct | 89th pct |
| Cost of funds | 0.21% | 15th pct | 7th pct |
| Loan-to-share | 53.52% | 44th pct | 49th pct |
| Delinquency 60+ days | 0.27% | 34th pct | 48th pct |
| Net charge-off ratio | -0.00% | 22th pct | 23th pct |
| Loan growth YoY | 3.52% | 89th pct | 87th pct |
| Share growth YoY | 0.02% | 26th pct | 28th pct |
| Efficiency ratio | 72.24% | 31th pct | 33th pct |
structural peer set hash: 2242c61addcd5ec44b60df0010ccb457… (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.