MUSKEGON
Charter #7509 · MUSKEGON, MI · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Net interest margin of 3.13% sits at the 21st percentile of structural peers — worth a closer look.
- Cost of funds of 1.47% sits at the 92nd percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 0.12% ranks in the 3rd percentile among structurally similar credit unions — a relative strength.
- On Loan-to-share, the asset-size band puts this credit union at the 21st percentile but its structural peers at the 41st — a 20-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 | MUSKEGON | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $80.93M | 69th pct | 69th pct |
| Members | 5,042 | 50th pct | 49th pct |
| Net worth ratio | 10.83% | 28th pct | 43th pct |
| Return on average assets | 0.75% | 53th pct | 57th pct |
| Net interest margin | 3.13% | 21th pct | 21th pct |
| Cost of funds | 1.47% | 79th pct | 92th pct |
| Loan-to-share | 44.46% | 21th pct | 41th pct |
| Delinquency 60+ days | 0.12% | 14th pct | 3th pct |
| Net charge-off ratio | 0.45% | 68th pct | 54th pct |
| Loan growth YoY | 1.62% | 76th pct | 89th pct |
| Share growth YoY | 2.70% | 47th pct | 57th pct |
| Efficiency ratio | 78.69% | 47th pct | 38th pct |
structural peer set hash: 70e550781caa26765ee2c9dc2bcb59a9… (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.