MEMBERS ADVANTAGE
Charter #68242 · MICHIGAN CITY, IN · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 9.17% sits at the 16th percentile of structural peers — worth a closer look.
- Return on average assets of 0.40% sits at the 25th percentile of structural peers — worth a closer look.
- Net interest margin of 2.86% sits at the 15th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 1.46% sits at the 87th percentile of structural peers — worth a closer look.
- Efficiency ratio of 88.20% sits at the 79th 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 | MEMBERS ADVANTAGE | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $134.73M | 23th pct | 48th pct |
| Members | 7,776 | 16th pct | 44th pct |
| Net worth ratio | 9.17% | 16th pct | 16th pct |
| Return on average assets | 0.40% | 29th pct | 25th pct |
| Net interest margin | 2.86% | 10th pct | 15th pct |
| Cost of funds | 1.31% | 56th pct | 70th pct |
| Loan-to-share | 41.72% | 5th pct | 20th pct |
| Delinquency 60+ days | 1.46% | 89th pct | 87th pct |
| Net charge-off ratio | 0.14% | 23th pct | 39th pct |
| Loan growth YoY | -2.50% | 20th pct | 26th pct |
| Share growth YoY | 4.16% | 60th pct | 57th pct |
| Efficiency ratio | 88.20% | 80th pct | 79th pct |
structural peer set hash: 75946c62897e9513841a106f522de9ff… (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.