SOUTHEAST MICHIGAN STATE EMPLOYEES
Charter #7628 · West Bloomfield, MI · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 1.19% ranks in the 79th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 1.83% sits at the 78th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 1.57% sits at the 88th percentile of structural peers — worth a closer look.
- On Total assets, the asset-size band puts this credit union at the 5th percentile but its structural peers at the 69th — a 64-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 | SOUTHEAST MICHIGAN STATE EMPLOYEES | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $51.53M | 5th pct | 69th pct |
| Members | 3,124 | 11th pct | 57th pct |
| Net worth ratio | 11.80% | 39th pct | 44th pct |
| Return on average assets | 1.19% | 75th pct | 79th pct |
| Net interest margin | 4.18% | 76th pct | 66th pct |
| Cost of funds | 0.29% | 13th pct | 33th pct |
| Loan-to-share | 17.91% | 1th pct | 8th pct |
| Delinquency 60+ days | 1.83% | 92th pct | 78th pct |
| Net charge-off ratio | 1.57% | 96th pct | 88th pct |
| Loan growth YoY | -2.05% | 44th pct | 59th pct |
| Share growth YoY | 1.87% | 39th pct | 43th pct |
| Efficiency ratio | 76.41% | 41th pct | 36th pct |
structural peer set hash: e9d8e67d6c3020e6c50621fbd0fd8013… (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.