STATE FARM
Charter #1273 · Bloomington, IL · >$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 113,382 ranks in the 82nd percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 0.42% sits at the 23rd percentile of structural peers — worth a closer look.
- Net interest margin of 0.68% sits at the 0th percentile of structural peers — worth a closer look.
- Cost of funds of 3.88% sits at the 98th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 0.08% ranks in the 8th 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 | STATE FARM | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $5.62B | 85th pct | 97th pct |
| Members | 113,382 | 47th pct | 82th pct |
| Net worth ratio | 13.11% | 82th pct | 61th pct |
| Return on average assets | 0.42% | 23th pct | 23th pct |
| Net interest margin | 0.68% | 0th pct | 0th pct |
| Cost of funds | 3.88% | 100th pct | 98th pct |
| Loan-to-share | 20.67% | 0th pct | 3th pct |
| Delinquency 60+ days | 0.08% | 2th pct | 8th pct |
| Net charge-off ratio | 0.52% | 50th pct | 69th pct |
| Loan growth YoY | -1.83% | 10th pct | 33th pct |
| Share growth YoY | 11.86% | 94th pct | 97th pct |
| Efficiency ratio | 39.53% | 0th pct | 2th pct |
structural peer set hash: 8269451f02e83070be655442b3fa9757… (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.