LIMESTONE FINANCIAL
Charter #68743 · Manistique, MI · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Net charge-off ratio of 0.11% ranks in the 25th percentile among structurally similar credit unions — a relative strength.
- On Loan growth YoY, the asset-size band puts this credit union at the 51st percentile but its structural peers at the 18th — a 33-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 | LIMESTONE FINANCIAL | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $81.06M | 70th pct | 62th pct |
| Members | 4,871 | 47th pct | 39th pct |
| Net worth ratio | 10.84% | 28th pct | 49th pct |
| Return on average assets | 0.44% | 35th pct | 33th pct |
| Net interest margin | 4.17% | 75th pct | 61th pct |
| Cost of funds | 1.63% | 85th pct | 74th pct |
| Loan-to-share | 88.15% | 94th pct | 69th pct |
| Delinquency 60+ days | 0.64% | 51th pct | 52th pct |
| Net charge-off ratio | 0.11% | 34th pct | 25th pct |
| Loan growth YoY | -1.41% | 51th pct | 18th pct |
| Share growth YoY | 3.62% | 60th pct | 56th pct |
| Efficiency ratio | 82.33% | 58th pct | 56th pct |
structural peer set hash: 9d06ed0c8a05a779cc0a94ab989ad2d7… (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.