WEST MICHIGAN POSTAL SERVICE
Charter #7910 · MUSKEGON, MI · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 811 sits at the 8th percentile of structural peers — worth a closer look.
- Cost of funds of 1.65% sits at the 87th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 1.74% sits at the 89th percentile of structural peers — worth a closer look.
- Efficiency ratio of 74.46% ranks in the 16th percentile among structurally similar credit unions — a relative strength.
- On Total assets, the asset-size band puts this credit union at the 82nd percentile but its structural peers at the 8th — a 74-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 | WEST MICHIGAN POSTAL SERVICE | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $7.30M | 82th pct | 8th pct |
| Members | 811 | 71th pct | 8th pct |
| Net worth ratio | 12.75% | 26th pct | 51th pct |
| Return on average assets | 0.63% | 58th pct | 61th pct |
| Net interest margin | 4.68% | 70th pct | 57th pct |
| Cost of funds | 1.65% | 82th pct | 87th pct |
| Loan-to-share | 76.43% | 73th pct | 72th pct |
| Delinquency 60+ days | 0.78% | 49th pct | 49th pct |
| Net charge-off ratio | 1.74% | 90th pct | 89th pct |
| Loan growth YoY | -2.20% | 64th pct | 59th pct |
| Share growth YoY | 3.00% | 71th pct | 67th pct |
| Efficiency ratio | 74.46% | 30th pct | 16th pct |
structural peer set hash: 32bc98722a2ab1b320759c86bf6343d4… (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.