SHERWIN
Charter #12259 · Portland, TX · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 1,912 ranks in the 87th percentile among structurally similar credit unions — a relative strength.
- Net worth ratio of 33.25% ranks in the 82nd percentile among structurally similar credit unions — a relative strength.
- Return on average assets of -1.64% sits at the 7th percentile of structural peers — worth a closer look.
- Cost of funds of 0.30% ranks in the 21st percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of -0.04% ranks in the 10th 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 | SHERWIN | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $6.99M | 79th pct | 46th pct |
| Members | 1,912 | 96th pct | 87th pct |
| Net worth ratio | 33.25% | 89th pct | 82th pct |
| Return on average assets | -1.64% | 12th pct | 7th pct |
| Net interest margin | 3.88% | 45th pct | 46th pct |
| Cost of funds | 0.30% | 39th pct | 21th pct |
| Loan-to-share | 80.31% | 78th pct | 59th pct |
| Delinquency 60+ days | 0.20% | 33th pct | 38th pct |
| Net charge-off ratio | -0.04% | 17th pct | 10th pct |
| Loan growth YoY | 7.28% | 91th pct | 95th pct |
| Share growth YoY | 1.06% | 57th pct | 54th pct |
| Efficiency ratio | 120.30% | 88th pct | 95th pct |
structural peer set hash: 9e4b8e6b7723e06c708695f0db3dbfba… (reproducible)
Closest structural peers
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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.