SUWANNEE RIVER
Charter #1086 · LIVE OAK, FL · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Net interest margin of 4.65% ranks in the 89th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.08% ranks in the 11th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 0.00% ranks in the 0th percentile among structurally similar credit unions — a relative strength.
- On Members, the asset-size band puts this credit union at the 58th percentile but its structural peers at the 38th — a 20-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 | SUWANNEE RIVER | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $25.89M | 52th pct | 36th pct |
| Members | 2,338 | 58th pct | 38th pct |
| Net worth ratio | 11.76% | 34th pct | 39th pct |
| Return on average assets | 1.01% | 68th pct | 72th pct |
| Net interest margin | 4.65% | 83th pct | 89th pct |
| Cost of funds | 0.08% | 5th pct | 11th pct |
| Loan-to-share | 62.70% | 59th pct | 54th pct |
| Delinquency 60+ days | 0.00% | 0th pct | 0th pct |
| Net charge-off ratio | 0.22% | 58th pct | 46th pct |
| Loan growth YoY | -0.02% | 70th pct | 72th pct |
| Share growth YoY | -4.18% | 5th pct | 5th pct |
| Efficiency ratio | 79.24% | 47th pct | 36th pct |
structural peer set hash: 59e36579822f8144ac6941ef7dea88d0… (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.