SRI
Charter #11872 · MENLO PARK, CA · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 5,065 sits at the 16th percentile of structural peers — worth a closer look.
- Net interest margin of 2.51% sits at the 7th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 0.29% ranks in the 21st percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.01% ranks in the 13th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 67.38% ranks in the 16th percentile among structurally similar credit unions — a relative strength.
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 | SRI | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $242.09M | 61th pct | 61th pct |
| Members | 5,065 | 4th pct | 16th pct |
| Net worth ratio | 12.21% | 60th pct | 67th pct |
| Return on average assets | 0.81% | 58th pct | 69th pct |
| Net interest margin | 2.51% | 4th pct | 7th pct |
| Cost of funds | 2.33% | 95th pct | 69th pct |
| Loan-to-share | 94.57% | 96th pct | 74th pct |
| Delinquency 60+ days | 0.29% | 22th pct | 21th pct |
| Net charge-off ratio | 0.01% | 7th pct | 13th pct |
| Loan growth YoY | 5.89% | 90th pct | 90th pct |
| Share growth YoY | 2.12% | 29th pct | 28th pct |
| Efficiency ratio | 67.38% | 20th pct | 16th pct |
structural peer set hash: 74411414c572d006f271d99a2784b486… (reproducible)
Closest structural peers
This is the free public view
Claim SRI
Unlock the full operating picture — scenario modeling, deposit & collections packs, the governed action framework, and an exam-ready evidence binder with every number traced to its basis.
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.