TRI-CITIES
Charter #62508 · Grand Haven, MI · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 3,597 sits at the 20th percentile of structural peers — worth a closer look.
- Net worth ratio of 13.69% ranks in the 75th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 0.05% ranks in the 2nd percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 74.97% ranks in the 23rd percentile among structurally similar credit unions — a relative strength.
- On Net worth ratio, the asset-size band puts this credit union at the 60th percentile but its structural peers at the 75th — a 16-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 | TRI-CITIES | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $51.30M | 4th pct | 10th pct |
| Members | 3,597 | 21th pct | 20th pct |
| Net worth ratio | 13.69% | 60th pct | 75th pct |
| Return on average assets | 1.01% | 66th pct | 74th pct |
| Net interest margin | 3.50% | 38th pct | 30th pct |
| Cost of funds | 0.91% | 50th pct | 54th pct |
| Loan-to-share | 67.53% | 62th pct | 61th pct |
| Delinquency 60+ days | 0.05% | 6th pct | 2th pct |
| Net charge-off ratio | 0.22% | 48th pct | 56th pct |
| Loan growth YoY | -0.95% | 56th pct | 54th pct |
| Share growth YoY | -0.58% | 13th pct | 10th pct |
| Efficiency ratio | 74.97% | 36th pct | 23th pct |
structural peer set hash: ae30c9fec860e8f0f281a7fbbe0041b5… (reproducible)
Closest structural peers
This is the free public view
Claim TRI-CITIES
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.