THIOKOL ELKTON
Charter #12185 · Elkton, MD · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 1,661 sits at the 15th percentile of structural peers — worth a closer look.
- Net worth ratio of 17.65% ranks in the 84th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.00% ranks in the 23rd percentile among structurally similar credit unions — a relative strength.
- On Total assets, the asset-size band puts this credit union at the 47th percentile but its structural peers at the 25th — a 22-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 | THIOKOL ELKTON | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $24.06M | 47th pct | 25th pct |
| Members | 1,661 | 31th pct | 15th pct |
| Net worth ratio | 17.65% | 75th pct | 84th pct |
| Return on average assets | 1.01% | 68th pct | 69th pct |
| Net interest margin | 3.32% | 27th pct | 30th pct |
| Cost of funds | 0.58% | 37th pct | 43th pct |
| Loan-to-share | 47.50% | 32th pct | 34th pct |
| Delinquency 60+ days | 0.30% | 36th pct | 46th pct |
| Net charge-off ratio | 0.00% | 23th pct | 23th pct |
| Loan growth YoY | -2.10% | 53th pct | 52th pct |
| Share growth YoY | 1.01% | 35th pct | 33th pct |
| Efficiency ratio | 73.37% | 34th pct | 33th pct |
structural peer set hash: 71738c49a2135992baf24c507ed90d24… (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.