THE LOCAL
Charter #63342 · Sterling Height, MI · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 1.32% ranks in the 75th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 0.24% ranks in the 18th percentile among structurally similar credit unions — a relative strength.
- On Loan-to-share, the asset-size band puts this credit union at the 8th percentile but its structural peers at the 34th — a 27-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 | THE LOCAL | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $109.17M | 7th pct | 33th pct |
| Members | 9,526 | 29th pct | 52th pct |
| Net worth ratio | 15.04% | 85th pct | 67th pct |
| Return on average assets | 1.32% | 83th pct | 75th pct |
| Net interest margin | 3.70% | 53th pct | 51th pct |
| Cost of funds | 0.62% | 23th pct | 39th pct |
| Loan-to-share | 45.11% | 8th pct | 34th pct |
| Delinquency 60+ days | 0.24% | 17th pct | 18th pct |
| Net charge-off ratio | 0.49% | 64th pct | 67th pct |
| Loan growth YoY | -1.43% | 31th pct | 39th pct |
| Share growth YoY | 5.62% | 77th pct | 69th pct |
| Efficiency ratio | 74.37% | 35th pct | 39th pct |
structural peer set hash: fafb585440eb2d7e2799f84579db4edb… (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.