CHIROPRACTIC
Charter #6871 · FARMINGTON, MI · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Net interest margin of 2.96% sits at the 13th percentile of structural peers — worth a closer look.
- Cost of funds of 1.41% sits at the 79th percentile of structural peers — worth a closer look.
- Net charge-off ratio of -0.00% ranks in the 16th percentile among structurally similar credit unions — a relative strength.
- On Total assets, the asset-size band puts this credit union at the 85th percentile but its structural peers at the 56th — 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 | CHIROPRACTIC | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $40.80M | 85th pct | 56th pct |
| Members | 2,594 | 65th pct | 46th pct |
| Net worth ratio | 15.00% | 60th pct | 72th pct |
| Return on average assets | 0.83% | 59th pct | 72th pct |
| Net interest margin | 2.96% | 15th pct | 13th pct |
| Cost of funds | 1.41% | 75th pct | 79th pct |
| Loan-to-share | 50.08% | 37th pct | 43th pct |
| Delinquency 60+ days | 0.83% | 62th pct | 49th pct |
| Net charge-off ratio | -0.00% | 22th pct | 16th pct |
| Loan growth YoY | -3.19% | 44th pct | 36th pct |
| Share growth YoY | -1.66% | 14th pct | 18th pct |
| Efficiency ratio | 79.28% | 47th pct | 48th pct |
structural peer set hash: 913466a394ce4f023fe9189d50ed47b0… (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.