LOCAL 697
Charter #12745 · MERRILLVILLE, IN · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 0.03% sits at the 3rd percentile of structural peers — worth a closer look.
- Net interest margin of 1.88% sits at the 0th percentile of structural peers — worth a closer look.
- Cost of funds of 2.50% sits at the 97th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 4.52% sits at the 97th percentile of structural peers — worth a closer look.
- Net charge-off ratio of -0.05% ranks in the 11th 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 | LOCAL 697 | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $47.52M | 97th pct | 80th pct |
| Members | 3,317 | 82th pct | 62th pct |
| Net worth ratio | 16.45% | 68th pct | 62th pct |
| Return on average assets | 0.03% | 19th pct | 3th pct |
| Net interest margin | 1.88% | 2th pct | 0th pct |
| Cost of funds | 2.50% | 96th pct | 97th pct |
| Loan-to-share | 57.38% | 51th pct | 51th pct |
| Delinquency 60+ days | 4.52% | 97th pct | 97th pct |
| Net charge-off ratio | -0.05% | 13th pct | 11th pct |
| Loan growth YoY | 7.10% | 95th pct | 95th pct |
| Share growth YoY | 12.99% | 98th pct | 95th pct |
| Efficiency ratio | 99.34% | 88th pct | 97th pct |
structural peer set hash: ee3663687eeed31dc63a48adb7cdeac4… (reproducible)
Closest structural peers
This is the free public view
Claim LOCAL 697
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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.