GERBER
Charter #6832 · Fremont, MI · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Net interest margin of 3.15% sits at the 10th percentile of structural peers — worth a closer look.
- Cost of funds of 1.46% sits at the 84th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 0.82% sits at the 85th percentile of structural peers — worth a closer look.
- On Loan-to-share, the asset-size band puts this credit union at the 27th percentile but its structural peers at the 51st — a 24-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 | GERBER | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $257.78M | 65th pct | 70th pct |
| Members | 16,105 | 63th pct | 54th pct |
| Net worth ratio | 9.98% | 27th pct | 31th pct |
| Return on average assets | 0.39% | 28th pct | 28th pct |
| Net interest margin | 3.15% | 21th pct | 10th pct |
| Cost of funds | 1.46% | 65th pct | 84th pct |
| Loan-to-share | 60.12% | 27th pct | 51th pct |
| Delinquency 60+ days | 0.69% | 56th pct | 56th pct |
| Net charge-off ratio | 0.82% | 84th pct | 85th pct |
| Loan growth YoY | -0.25% | 45th pct | 46th pct |
| Share growth YoY | 3.91% | 56th pct | 59th pct |
| Efficiency ratio | 80.56% | 58th pct | 44th pct |
structural peer set hash: 92be353b1e127f11af4a65a458b76f13… (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.