FINANCIAL PLUS
Charter #68646 · Flint, MI · >$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Net interest margin of 4.09% ranks in the 84th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.75% sits at the 85th percentile of structural peers — worth a closer look.
- On Members, the asset-size band puts this credit union at the 28th percentile but its structural peers at the 46th — a 18-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 | FINANCIAL PLUS | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $1.64B | 36th pct | 52th pct |
| Members | 80,867 | 28th pct | 46th pct |
| Net worth ratio | 11.66% | 67th pct | 61th pct |
| Return on average assets | 0.92% | 66th pct | 49th pct |
| Net interest margin | 4.09% | 90th pct | 84th pct |
| Cost of funds | 1.89% | 54th pct | 66th pct |
| Loan-to-share | 87.27% | 53th pct | 57th pct |
| Delinquency 60+ days | 0.59% | 46th pct | 46th pct |
| Net charge-off ratio | 0.75% | 71th pct | 85th pct |
| Loan growth YoY | 3.33% | 69th pct | 62th pct |
| Share growth YoY | 8.03% | 87th pct | 87th pct |
| Efficiency ratio | 69.57% | 40th pct | 26th pct |
structural peer set hash: eeb22571011f357158f9ef608b554883… (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.