BANNER
Charter #11680 · Phoenix, AZ · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 0.33% sits at the 10th percentile of structural peers — worth a closer look.
- Efficiency ratio of 88.85% sits at the 85th percentile of structural peers — worth a closer look.
- On Loan-to-share, the asset-size band puts this credit union at the 15th percentile but its structural peers at the 36th — a 21-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 | BANNER | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $65.43M | 38th pct | 41th pct |
| Members | 6,624 | 75th pct | 67th pct |
| Net worth ratio | 13.09% | 52th pct | 66th pct |
| Return on average assets | 0.33% | 30th pct | 10th pct |
| Net interest margin | 3.78% | 54th pct | 66th pct |
| Cost of funds | 0.72% | 36th pct | 49th pct |
| Loan-to-share | 41.29% | 15th pct | 36th pct |
| Delinquency 60+ days | 0.55% | 45th pct | 43th pct |
| Net charge-off ratio | 0.28% | 54th pct | 49th pct |
| Loan growth YoY | -9.11% | 4th pct | 3th pct |
| Share growth YoY | 1.19% | 31th pct | 25th pct |
| Efficiency ratio | 88.85% | 76th pct | 85th pct |
structural peer set hash: af3137bf0b2df0046f7e7feadedf09c3… (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.