H A L E
Charter #10778 · Indianapolis, IN · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 192 sits at the 18th percentile of structural peers — worth a closer look.
- Return on average assets of -1.06% sits at the 20th percentile of structural peers — worth a closer look.
- Net interest margin of 3.34% sits at the 18th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 0.00% ranks in the 0th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of -1.73% 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 | H A L E | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | 406,766 | 8th pct | 3th pct |
| Members | 192 | 14th pct | 18th pct |
| Net worth ratio | 22.14% | 66th pct | 56th pct |
| Return on average assets | -1.06% | 16th pct | 20th pct |
| Net interest margin | 3.34% | 28th pct | 18th pct |
| Cost of funds | 0.33% | 41th pct | 34th pct |
| Loan-to-share | 52.83% | 44th pct | 31th pct |
| Delinquency 60+ days | 0.00% | 0th pct | 0th pct |
| Net charge-off ratio | -1.73% | 2th pct | 2th pct |
| Loan growth YoY | 6.29% | 90th pct | 95th pct |
| Share growth YoY | -4.99% | 17th pct | 20th pct |
| Efficiency ratio | 136.87% | 91th pct | 90th pct |
structural peer set hash: bb28b46b2ada471ea5b52cc017ba69c8… (reproducible)
Closest structural peers
This is the free public view
Claim H A L E
Unlock the full operating picture — scenario modeling, deposit & collections packs, the governed action framework, and an exam-ready evidence binder with every number traced to its basis.
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.