GRAND JUNCTION
Charter #11718 · Grand Junction, CO · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 6,909 sits at the 18th percentile of structural peers — worth a closer look.
- Net worth ratio of 19.66% ranks in the 90th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 2.92% sits at the 8th percentile of structural peers — worth a closer look.
- Cost of funds of 1.58% sits at the 85th percentile of structural peers — worth a closer look.
- On Return on average assets, the asset-size band puts this credit union at the 47th percentile but its structural peers at the 28th — a 19-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 | GRAND JUNCTION | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $114.17M | 10th pct | 21th pct |
| Members | 6,909 | 11th pct | 18th pct |
| Net worth ratio | 19.66% | 97th pct | 90th pct |
| Return on average assets | 0.67% | 47th pct | 28th pct |
| Net interest margin | 2.92% | 11th pct | 8th pct |
| Cost of funds | 1.58% | 71th pct | 85th pct |
| Loan-to-share | 58.42% | 24th pct | 41th pct |
| Delinquency 60+ days | 0.81% | 66th pct | 66th pct |
| Net charge-off ratio | 0.27% | 40th pct | 52th pct |
| Loan growth YoY | 0.30% | 51th pct | 56th pct |
| Share growth YoY | 5.19% | 73th pct | 67th pct |
| Efficiency ratio | 78.87% | 51th pct | 69th pct |
structural peer set hash: 1127beb06b12f25f7ec44a4a424bf58f… (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.