CELCO COMMUNITY
Charter #11254 · NARROWS, VA · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 20.16% ranks in the 84th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 1.33% sits at the 87th percentile of structural peers — worth a closer look.
- On Efficiency ratio, the asset-size band puts this credit union at the 29th percentile but its structural peers at the 56th — a 26-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 | CELCO COMMUNITY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $145.81M | 29th pct | 41th pct |
| Members | 7,377 | 14th pct | 26th pct |
| Net worth ratio | 20.16% | 97th pct | 84th pct |
| Return on average assets | 1.23% | 80th pct | 57th pct |
| Net interest margin | 3.57% | 45th pct | 57th pct |
| Cost of funds | 0.79% | 29th pct | 30th pct |
| Loan-to-share | 64.21% | 34th pct | 41th pct |
| Delinquency 60+ days | 1.33% | 86th pct | 87th pct |
| Net charge-off ratio | 0.18% | 28th pct | 52th pct |
| Loan growth YoY | 0.11% | 49th pct | 48th pct |
| Share growth YoY | 1.44% | 21th pct | 26th pct |
| Efficiency ratio | 72.27% | 29th pct | 56th pct |
structural peer set hash: d32b4ddc34020516c1138b2dc8d3c1cc… (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.