COMMUNITY FINANCIAL
Charter #68631 · PLYMOUTH, MI · >$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of -0.05% sits at the 5th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 0.76% sits at the 82nd percentile of structural peers — worth a closer look.
- Efficiency ratio of 91.30% sits at the 93rd percentile of structural peers — worth a closer look.
- On Total assets, the asset-size band puts this credit union at the 29th percentile but its structural peers at the 56th — a 27-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 | COMMUNITY FINANCIAL | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $1.48B | 29th pct | 56th pct |
| Members | 86,442 | 33th pct | 59th pct |
| Net worth ratio | 10.06% | 34th pct | 41th pct |
| Return on average assets | -0.05% | 3th pct | 5th pct |
| Net interest margin | 3.76% | 77th pct | 72th pct |
| Cost of funds | 1.88% | 54th pct | 64th pct |
| Loan-to-share | 93.89% | 76th pct | 75th pct |
| Delinquency 60+ days | 0.73% | 61th pct | 61th pct |
| Net charge-off ratio | 0.76% | 73th pct | 82th pct |
| Loan growth YoY | -5.48% | 1th pct | 0th pct |
| Share growth YoY | -0.94% | 3th pct | 2th pct |
| Efficiency ratio | 91.30% | 97th pct | 93th pct |
structural peer set hash: 6f40831706da1890a05193638692ce66… (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.