CREDIT UNION ONE
Charter #62562 · Ferndale, MI · >$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 1.20% ranks in the 79th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 4.37% ranks in the 95th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.05% ranks in the 3rd percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 0.40% ranks in the 23rd percentile among structurally similar credit unions — a relative strength.
- On Members, the asset-size band puts this credit union at the 45th percentile but its structural peers at the 74th — a 29-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 | CREDIT UNION ONE | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $1.82B | 41th pct | 69th pct |
| Members | 108,063 | 45th pct | 74th pct |
| Net worth ratio | 11.41% | 63th pct | 59th pct |
| Return on average assets | 1.20% | 81th pct | 79th pct |
| Net interest margin | 4.37% | 95th pct | 95th pct |
| Cost of funds | 0.05% | 2th pct | 3th pct |
| Loan-to-share | 79.85% | 32th pct | 39th pct |
| Delinquency 60+ days | 0.40% | 26th pct | 23th pct |
| Net charge-off ratio | 0.44% | 40th pct | 57th pct |
| Loan growth YoY | 3.56% | 71th pct | 80th pct |
| Share growth YoY | 4.90% | 64th pct | 64th pct |
| Efficiency ratio | 72.01% | 48th pct | 36th pct |
structural peer set hash: 2e58bee1f99afcab0639d2e5db9465a6… (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.