GRAND HERITAGE
Charter #10666 · LAPORTE, IN · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 9.24% sits at the 15th percentile of structural peers — worth a closer look.
- Return on average assets of 0.19% sits at the 23rd percentile of structural peers — worth a closer look.
- Cost of funds of 0.19% ranks in the 18th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 93.23% sits at the 79th percentile of structural peers — worth a closer look.
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 | GRAND HERITAGE | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $21.84M | 41th pct | 52th pct |
| Members | 2,013 | 46th pct | 43th pct |
| Net worth ratio | 9.24% | 13th pct | 15th pct |
| Return on average assets | 0.19% | 25th pct | 23th pct |
| Net interest margin | 3.28% | 25th pct | 26th pct |
| Cost of funds | 0.19% | 12th pct | 18th pct |
| Loan-to-share | 46.88% | 32th pct | 38th pct |
| Delinquency 60+ days | 0.24% | 32th pct | 33th pct |
| Net charge-off ratio | 0.01% | 37th pct | 34th pct |
| Loan growth YoY | -8.76% | 10th pct | 8th pct |
| Share growth YoY | 4.09% | 67th pct | 67th pct |
| Efficiency ratio | 93.23% | 79th pct | 79th pct |
structural peer set hash: 2934d3404e81433ddaf8ffd121d5fb75… (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.