BARAGA COUNTY
Charter #7672 · LANSE, MI · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 10.25% sits at the 21st percentile of structural peers — worth a closer look.
- Net interest margin of 2.98% sits at the 15th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 0.08% ranks in the 23rd percentile among structurally similar credit unions — a relative strength.
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 | BARAGA COUNTY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $62.42M | 31th pct | 36th pct |
| Members | 4,817 | 46th pct | 52th pct |
| Net worth ratio | 10.25% | 23th pct | 21th pct |
| Return on average assets | 1.13% | 71th pct | 72th pct |
| Net interest margin | 2.98% | 16th pct | 15th pct |
| Cost of funds | 0.62% | 29th pct | 36th pct |
| Loan-to-share | 34.44% | 8th pct | 15th pct |
| Delinquency 60+ days | 0.35% | 34th pct | 28th pct |
| Net charge-off ratio | 0.08% | 30th pct | 23th pct |
| Loan growth YoY | -3.02% | 35th pct | 38th pct |
| Share growth YoY | 4.54% | 69th pct | 67th pct |
| Efficiency ratio | 68.91% | 25th pct | 28th pct |
structural peer set hash: ac1110550e86d44f6283128540e53e52… (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.