WEXFORD COMMUNITY
Charter #65639 · Cadillac, MI · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 8.75% sits at the 16th percentile of structural peers — worth a closer look.
- Return on average assets of -0.62% sits at the 5th percentile of structural peers — worth a closer look.
- Cost of funds of 0.03% ranks in the 3rd percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 105.89% sits at the 95th percentile of structural peers — worth a closer look.
- On Total assets, the asset-size band puts this credit union at the 80th percentile but its structural peers at the 51st — 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 | WEXFORD COMMUNITY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $87.66M | 80th pct | 51th pct |
| Members | 8,080 | 88th pct | 72th pct |
| Net worth ratio | 8.75% | 9th pct | 16th pct |
| Return on average assets | -0.62% | 4th pct | 5th pct |
| Net interest margin | 3.62% | 46th pct | 46th pct |
| Cost of funds | 0.03% | 3th pct | 3th pct |
| Loan-to-share | 51.41% | 33th pct | 33th pct |
| Delinquency 60+ days | 0.39% | 36th pct | 28th pct |
| Net charge-off ratio | 0.46% | 68th pct | 64th pct |
| Loan growth YoY | -1.99% | 45th pct | 26th pct |
| Share growth YoY | 8.55% | 93th pct | 92th pct |
| Efficiency ratio | 105.89% | 96th pct | 95th pct |
structural peer set hash: cb7cf7729eec8795818a317121ccaec2… (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.