CLIFTY CREEK EMPLOYEES
Charter #12152 · Madison, IN · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 1,237 sits at the 10th percentile of structural peers — worth a closer look.
- Return on average assets of -1.01% sits at the 5th percentile of structural peers — worth a closer look.
- Net interest margin of 2.81% sits at the 2nd percentile of structural peers — worth a closer look.
- Cost of funds of 2.24% sits at the 92nd percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 0.00% ranks in the 0th 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 | CLIFTY CREEK EMPLOYEES | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $16.19M | 24th pct | 25th pct |
| Members | 1,237 | 14th pct | 10th pct |
| Net worth ratio | 17.22% | 73th pct | 72th pct |
| Return on average assets | -1.01% | 6th pct | 5th pct |
| Net interest margin | 2.81% | 11th pct | 2th pct |
| Cost of funds | 2.24% | 94th pct | 92th pct |
| Loan-to-share | 68.47% | 68th pct | 56th pct |
| Delinquency 60+ days | 0.00% | 0th pct | 0th pct |
| Net charge-off ratio | -0.64% | 1th pct | 2th pct |
| Loan growth YoY | -6.89% | 18th pct | 18th pct |
| Share growth YoY | 2.87% | 54th pct | 57th pct |
| Efficiency ratio | 108.13% | 93th pct | 97th pct |
structural peer set hash: 7212b856cf1ad9b0538f728547fa5db7… (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.