VACATIONLAND
Charter #11293 · Sandusky, OH · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- On Total assets, the asset-size band puts this credit union at the 78th percentile but its structural peers at the 61st — a 17-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 | VACATIONLAND | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $328.13M | 78th pct | 61th pct |
| Members | 20,598 | 78th pct | 64th pct |
| Net worth ratio | 12.57% | 64th pct | 70th pct |
| Return on average assets | 0.57% | 40th pct | 31th pct |
| Net interest margin | 3.61% | 47th pct | 51th pct |
| Cost of funds | 1.38% | 60th pct | 72th pct |
| Loan-to-share | 63.89% | 34th pct | 38th pct |
| Delinquency 60+ days | 0.90% | 71th pct | 72th pct |
| Net charge-off ratio | 0.45% | 59th pct | 64th pct |
| Loan growth YoY | -2.06% | 24th pct | 28th pct |
| Share growth YoY | 5.48% | 76th pct | 79th pct |
| Efficiency ratio | 80.45% | 57th pct | 56th pct |
structural peer set hash: 0553acd2b89ea8befa3fa870087304ba… (reproducible)
Closest structural peers
This is the free public view
Claim VACATIONLAND
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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.