CHRISTIAN FINANCIAL
Charter #63805 · Sterling Height, MI · >$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Net interest margin of 3.02% sits at the 5th percentile of structural peers — worth a closer look.
- Cost of funds of 0.40% ranks in the 23rd percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 0.22% ranks in the 7th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.20% ranks in the 8th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 84.23% sits at the 75th 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 | CHRISTIAN FINANCIAL | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $1.11B | 8th pct | 43th pct |
| Members | 61,556 | 11th pct | 43th pct |
| Net worth ratio | 9.76% | 28th pct | 34th pct |
| Return on average assets | 0.58% | 38th pct | 44th pct |
| Net interest margin | 3.02% | 28th pct | 5th pct |
| Cost of funds | 0.40% | 10th pct | 23th pct |
| Loan-to-share | 80.93% | 34th pct | 33th pct |
| Delinquency 60+ days | 0.22% | 10th pct | 7th pct |
| Net charge-off ratio | 0.20% | 14th pct | 8th pct |
| Loan growth YoY | 1.92% | 53th pct | 59th pct |
| Share growth YoY | 5.78% | 73th pct | 75th pct |
| Efficiency ratio | 84.23% | 89th pct | 75th pct |
structural peer set hash: 681c892fe875bc5a42834154a209dac4… (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.