NORTHWEST CONSUMERS
Charter #8077 · TRAVERSE CITY, MI · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 18.53% ranks in the 80th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.37% ranks in the 23rd percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 1.35% sits at the 80th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 1.56% sits at the 87th percentile of structural peers — worth a closer look.
- On Net interest margin, the asset-size band puts this credit union at the 75th percentile but its structural peers at the 54th — a 21-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 | NORTHWEST CONSUMERS | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $25.86M | 52th pct | 43th pct |
| Members | 2,297 | 57th pct | 39th pct |
| Net worth ratio | 18.53% | 80th pct | 80th pct |
| Return on average assets | 1.03% | 70th pct | 69th pct |
| Net interest margin | 4.41% | 75th pct | 54th pct |
| Cost of funds | 0.37% | 24th pct | 23th pct |
| Loan-to-share | 61.69% | 57th pct | 64th pct |
| Delinquency 60+ days | 1.35% | 76th pct | 80th pct |
| Net charge-off ratio | 1.56% | 92th pct | 87th pct |
| Loan growth YoY | -7.39% | 16th pct | 11th pct |
| Share growth YoY | 3.31% | 60th pct | 67th pct |
| Efficiency ratio | 84.52% | 61th pct | 56th pct |
structural peer set hash: 2ceff5785ae070fe5ca133151a810f15… (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.