FIDELIS
Charter #11380 · New York, NY · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 2.51% ranks in the 85th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 5.29% ranks in the 79th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 52.57% ranks in the 15th percentile among structurally similar credit unions — a relative strength.
- On Members, the asset-size band puts this credit union at the 28th percentile but its structural peers at the 57th — a 29-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 | FIDELIS | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | 725,732 | 13th pct | 30th pct |
| Members | 336 | 28th pct | 57th pct |
| Net worth ratio | 39.21% | 94th pct | 74th pct |
| Return on average assets | 2.51% | 94th pct | 85th pct |
| Net interest margin | 5.29% | 83th pct | 79th pct |
| Cost of funds | 0.27% | 36th pct | 46th pct |
| Loan-to-share | 51.34% | 41th pct | 69th pct |
| Delinquency 60+ days | 0.78% | 49th pct | 48th pct |
| Net charge-off ratio | 0.00% | 22th pct | 28th pct |
| Loan growth YoY | 0.85% | 77th pct | 72th pct |
| Share growth YoY | 15.83% | 97th pct | 97th pct |
| Efficiency ratio | 52.57% | 10th pct | 15th pct |
structural peer set hash: 171641a4ec6b4fb539c78d6f12931f65… (reproducible)
Closest structural peers
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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.