COMMUNITY CHOICE
Charter #64880 · Farmington Hill, MI · >$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 9.36% sits at the 16th percentile of structural peers — worth a closer look.
- Return on average assets of 1.42% ranks in the 89th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 4.10% ranks in the 80th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.48% ranks in the 20th percentile among structurally similar credit unions — a relative strength.
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 | COMMUNITY CHOICE | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $2.07B | 47th pct | 56th pct |
| Members | 115,119 | 47th pct | 56th pct |
| Net worth ratio | 9.36% | 19th pct | 16th pct |
| Return on average assets | 1.42% | 91th pct | 89th pct |
| Net interest margin | 4.10% | 91th pct | 80th pct |
| Cost of funds | 0.48% | 11th pct | 20th pct |
| Loan-to-share | 87.25% | 53th pct | 57th pct |
| Delinquency 60+ days | 0.81% | 68th pct | 72th pct |
| Net charge-off ratio | 0.71% | 67th pct | 67th pct |
| Loan growth YoY | -0.07% | 26th pct | 20th pct |
| Share growth YoY | 7.66% | 85th pct | 93th pct |
| Efficiency ratio | 69.54% | 39th pct | 26th pct |
structural peer set hash: e1622fe9e47f89d8e33c1578263c0159… (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.