SENTINEL
Charter #10257 · BOX ELDER, SD · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Net interest margin of 4.19% ranks in the 85th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 0.33% ranks in the 25th percentile among structurally similar credit unions — a relative strength.
- On Net charge-off ratio, the asset-size band puts this credit union at the 53rd percentile but its structural peers at the 74th — 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 | SENTINEL | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $197.02M | 50th pct | 56th pct |
| Members | 9,857 | 32th pct | 41th pct |
| Net worth ratio | 10.78% | 40th pct | 44th pct |
| Return on average assets | 0.56% | 40th pct | 41th pct |
| Net interest margin | 4.19% | 80th pct | 85th pct |
| Cost of funds | 1.22% | 51th pct | 41th pct |
| Loan-to-share | 72.46% | 51th pct | 44th pct |
| Delinquency 60+ days | 0.33% | 25th pct | 25th pct |
| Net charge-off ratio | 0.39% | 53th pct | 74th pct |
| Loan growth YoY | 10.33% | 98th pct | 97th pct |
| Share growth YoY | 2.08% | 29th pct | 43th pct |
| Efficiency ratio | 83.60% | 68th pct | 64th pct |
structural peer set hash: 81d13d341fb43a7eecbec2de13855546… (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.