RT
Charter #12624 · ROME, NY · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of -0.54% sits at the 3rd percentile of structural peers — worth a closer look.
- Efficiency ratio of 114.48% sits at the 97th percentile of structural peers — worth a closer look.
- On Delinquency 60+ days, the asset-size band puts this credit union at the 20th percentile but its structural peers at the 44th — a 25-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 | RT | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $57.40M | 19th pct | 39th pct |
| Members | 3,173 | 12th pct | 30th pct |
| Net worth ratio | 10.99% | 31th pct | 43th pct |
| Return on average assets | -0.54% | 6th pct | 3th pct |
| Net interest margin | 3.36% | 31th pct | 34th pct |
| Cost of funds | 0.30% | 13th pct | 26th pct |
| Loan-to-share | 43.66% | 19th pct | 36th pct |
| Delinquency 60+ days | 0.20% | 20th pct | 44th pct |
| Net charge-off ratio | 0.07% | 27th pct | 39th pct |
| Loan growth YoY | -2.53% | 39th pct | 43th pct |
| Share growth YoY | 1.24% | 32th pct | 36th pct |
| Efficiency ratio | 114.48% | 98th pct | 97th pct |
structural peer set hash: 8b06eb0a2e48928fac8bbe3bb2066ed4… (reproducible)
Closest structural peers
This is the free public view
Claim RT
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.