WARREN MUNICIPAL
Charter #7633 · Warren, MI · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 1,306 sits at the 16th percentile of structural peers — worth a closer look.
- Cost of funds of 0.01% ranks in the 2nd percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 0.10% ranks in the 23rd percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of -0.20% ranks in the 5th percentile among structurally similar credit unions — a relative strength.
- On Net interest margin, the asset-size band puts this credit union at the 48th percentile but its structural peers at the 74th — a 26-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 | WARREN MUNICIPAL | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $20.83M | 38th pct | 18th pct |
| Members | 1,306 | 18th pct | 16th pct |
| Net worth ratio | 10.01% | 18th pct | 26th pct |
| Return on average assets | 0.82% | 59th pct | 70th pct |
| Net interest margin | 3.82% | 48th pct | 74th pct |
| Cost of funds | 0.01% | 2th pct | 2th pct |
| Loan-to-share | 49.93% | 37th pct | 46th pct |
| Delinquency 60+ days | 0.10% | 22th pct | 23th pct |
| Net charge-off ratio | -0.20% | 5th pct | 5th pct |
| Loan growth YoY | -5.11% | 29th pct | 25th pct |
| Share growth YoY | 2.77% | 53th pct | 52th pct |
| Efficiency ratio | 79.91% | 48th pct | 38th pct |
structural peer set hash: bbd880ea1c68bddc157691b4481e9d97… (reproducible)
Closest structural peers
This is the free public view
Claim WARREN MUNICIPAL
Unlock the full operating picture — scenario modeling, deposit & collections packs, the governed action framework, and an exam-ready evidence binder with every number traced to its basis.
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.