SHORE TO SHORE COMMUNITY
Charter #8349 · Trenton, MI · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 1.56% ranks in the 85th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 4.03% ranks in the 87th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.18% ranks in the 13th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 68.91% ranks in the 21st percentile among structurally similar credit unions — a relative strength.
- On Loan-to-share, the asset-size band puts this credit union at the 11th percentile but its structural peers at the 30th — a 19-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 | SHORE TO SHORE COMMUNITY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $85.22M | 76th pct | 66th pct |
| Members | 5,262 | 55th pct | 61th pct |
| Net worth ratio | 11.59% | 37th pct | 38th pct |
| Return on average assets | 1.56% | 87th pct | 85th pct |
| Net interest margin | 4.03% | 68th pct | 87th pct |
| Cost of funds | 0.18% | 9th pct | 13th pct |
| Loan-to-share | 37.27% | 11th pct | 30th pct |
| Delinquency 60+ days | 0.70% | 54th pct | 49th pct |
| Net charge-off ratio | 0.25% | 50th pct | 43th pct |
| Loan growth YoY | -2.81% | 37th pct | 41th pct |
| Share growth YoY | 4.17% | 67th pct | 70th pct |
| Efficiency ratio | 68.91% | 24th pct | 21th pct |
structural peer set hash: 7210383a81ca0d0ed14620ea0eef21be… (reproducible)
Closest structural peers
This is the free public view
Claim SHORE TO SHORE 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.