UKRAINIAN SELFRELIANCE MICHIGAN
Charter #8000 · Warren, MI · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Net interest margin of 2.51% sits at the 23rd percentile of structural peers — worth a closer look.
- Cost of funds of 1.56% sits at the 82nd percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 0.06% ranks in the 20th percentile among structurally similar credit unions — a relative strength.
- On Members, the asset-size band puts this credit union at the 2nd percentile but its structural peers at the 34th — a 32-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 | UKRAINIAN SELFRELIANCE MICHIGAN | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $140.11M | 26th pct | 43th pct |
| Members | 4,411 | 2th pct | 34th pct |
| Net worth ratio | 13.26% | 71th pct | 59th pct |
| Return on average assets | 0.78% | 56th pct | 62th pct |
| Net interest margin | 2.51% | 4th pct | 23th pct |
| Cost of funds | 1.56% | 70th pct | 82th pct |
| Loan-to-share | 34.64% | 3th pct | 21th pct |
| Delinquency 60+ days | 0.06% | 4th pct | 20th pct |
| Net charge-off ratio | 0.03% | 10th pct | 31th pct |
| Loan growth YoY | -4.93% | 6th pct | 13th pct |
| Share growth YoY | 6.43% | 83th pct | 84th pct |
| Efficiency ratio | 71.83% | 28th pct | 28th pct |
structural peer set hash: 4e3663d555ebca38ce49f274c2344500… (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.