FERKO MD
Charter #10381 · Frederick, MD · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 2.19% ranks in the 98th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 3.94% ranks in the 77th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.19% ranks in the 8th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 0.92% sits at the 75th percentile of structural peers — worth a closer look.
- Efficiency ratio of 49.76% ranks in the 2nd 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 | FERKO MD | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $29.88M | 61th pct | 59th pct |
| Members | 3,035 | 76th pct | 66th pct |
| Net worth ratio | 19.16% | 82th pct | 72th pct |
| Return on average assets | 2.19% | 96th pct | 98th pct |
| Net interest margin | 3.94% | 56th pct | 77th pct |
| Cost of funds | 0.19% | 13th pct | 8th pct |
| Loan-to-share | 44.00% | 27th pct | 25th pct |
| Delinquency 60+ days | 0.92% | 65th pct | 75th pct |
| Net charge-off ratio | 0.08% | 46th pct | 57th pct |
| Loan growth YoY | -9.18% | 9th pct | 11th pct |
| Share growth YoY | 7.13% | 87th pct | 82th pct |
| Efficiency ratio | 49.76% | 3th pct | 2th pct |
structural peer set hash: 06327dc1510015cf563f8c58932ecbc0… (reproducible)
Closest structural peers
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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.