HONOR
Charter #63004 · BERRIEN SPRINGS, MI · >$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 12.03% ranks in the 77th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 4.10% ranks in the 82nd percentile among structurally similar credit unions — a relative strength.
- On Total assets, the asset-size band puts this credit union at the 42nd percentile but its structural peers at the 62nd — a 20-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 | HONOR | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $1.86B | 42th pct | 62th pct |
| Members | 105,279 | 44th pct | 61th pct |
| Net worth ratio | 12.03% | 71th pct | 77th pct |
| Return on average assets | 0.74% | 51th pct | 51th pct |
| Net interest margin | 4.10% | 91th pct | 82th pct |
| Cost of funds | 0.94% | 20th pct | 31th pct |
| Loan-to-share | 84.53% | 44th pct | 48th pct |
| Delinquency 60+ days | 0.84% | 70th pct | 69th pct |
| Net charge-off ratio | 0.62% | 59th pct | 59th pct |
| Loan growth YoY | -1.08% | 12th pct | 8th pct |
| Share growth YoY | 5.39% | 68th pct | 70th pct |
| Efficiency ratio | 80.28% | 78th pct | 72th pct |
structural peer set hash: c9cf3fca5ba03835bc103e36a0298d1e… (reproducible)
Closest structural peers
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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.