MUSKEGON ST JOSEPH
Charter #8141 · MUSKEGON, MI · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of -0.02% sits at the 23rd percentile of structural peers — worth a closer look.
- Net interest margin of 2.89% sits at the 13th percentile of structural peers — worth a closer look.
- Cost of funds of 2.65% sits at the 97th percentile of structural peers — worth a closer look.
- Net charge-off ratio of -0.39% ranks in the 0th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 78.21% ranks in the 25th 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 | MUSKEGON ST JOSEPH | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $13.02M | 13th pct | 11th pct |
| Members | 1,295 | 17th pct | 26th pct |
| Net worth ratio | 10.31% | 20th pct | 28th pct |
| Return on average assets | -0.02% | 17th pct | 23th pct |
| Net interest margin | 2.89% | 13th pct | 13th pct |
| Cost of funds | 2.65% | 97th pct | 97th pct |
| Loan-to-share | 73.02% | 74th pct | 56th pct |
| Delinquency 60+ days | 0.78% | 60th pct | 61th pct |
| Net charge-off ratio | -0.39% | 3th pct | 0th pct |
| Loan growth YoY | -0.84% | 63th pct | 56th pct |
| Share growth YoY | -0.18% | 25th pct | 34th pct |
| Efficiency ratio | 78.21% | 44th pct | 25th pct |
structural peer set hash: 11b03995926a58c8da0444fc2b641274… (reproducible)
Closest structural peers
This is the free public view
Claim MUSKEGON ST JOSEPH
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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.