WMCU
Charter #62347 · Grand Rapids, MI · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 29,196 ranks in the 82nd percentile among structurally similar credit unions — a relative strength.
- Net worth ratio of 17.26% ranks in the 92nd percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 4.54% ranks in the 98th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.15% ranks in the 18th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 1.15% sits at the 79th percentile of structural peers — worth a closer look.
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 | WMCU | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $449.21M | 95th pct | 82th pct |
| Members | 29,196 | 93th pct | 82th pct |
| Net worth ratio | 17.26% | 93th pct | 92th pct |
| Return on average assets | 1.06% | 72th pct | 61th pct |
| Net interest margin | 4.54% | 90th pct | 98th pct |
| Cost of funds | 0.15% | 8th pct | 18th pct |
| Loan-to-share | 56.13% | 20th pct | 30th pct |
| Delinquency 60+ days | 1.15% | 82th pct | 79th pct |
| Net charge-off ratio | 1.22% | 93th pct | 95th pct |
| Loan growth YoY | -5.59% | 5th pct | 7th pct |
| Share growth YoY | 2.96% | 42th pct | 36th pct |
| Efficiency ratio | 76.67% | 42th pct | 49th pct |
structural peer set hash: 758517c2e3875224e1dc4079862c310c… (reproducible)
Closest structural peers
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Claim WMCU
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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.