KENOWA COMMUNITY
Charter #8119 · WYOMING, MI · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Cost of funds of 0.32% ranks in the 13th percentile among structurally similar credit unions — a relative strength.
- On Net interest margin, the asset-size band puts this credit union at the 76th percentile but its structural peers at the 48th — a 29-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 | KENOWA COMMUNITY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $31.18M | 64th pct | 38th pct |
| Members | 2,522 | 64th pct | 38th pct |
| Net worth ratio | 15.34% | 62th pct | 74th pct |
| Return on average assets | 1.18% | 75th pct | 67th pct |
| Net interest margin | 4.45% | 76th pct | 48th pct |
| Cost of funds | 0.32% | 21th pct | 13th pct |
| Loan-to-share | 95.30% | 97th pct | 92th pct |
| Delinquency 60+ days | 0.26% | 33th pct | 26th pct |
| Net charge-off ratio | 0.23% | 58th pct | 54th pct |
| Loan growth YoY | 6.52% | 95th pct | 97th pct |
| Share growth YoY | 5.58% | 78th pct | 77th pct |
| Efficiency ratio | 77.43% | 42th pct | 41th pct |
structural peer set hash: ba5000c09d1d375cdb392130cc5ef7db… (reproducible)
Closest structural peers
This is the free public view
Claim KENOWA COMMUNITY
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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.