XAVIER UNIVERSITY
Charter #12748 · New Orleans, LA · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Delinquency 60+ days of 3.65% sits at the 79th percentile of structural peers — worth a closer look.
- Net charge-off ratio of -0.50% ranks in the 3rd percentile among structurally similar credit unions — a relative strength.
- On Net worth ratio, the asset-size band puts this credit union at the 31st percentile but its structural peers at the 51st — a 20-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 | XAVIER UNIVERSITY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $1.64M | 25th pct | 20th pct |
| Members | 368 | 32th pct | 28th pct |
| Net worth ratio | 13.93% | 31th pct | 51th pct |
| Return on average assets | 0.64% | 58th pct | 66th pct |
| Net interest margin | 3.63% | 37th pct | 48th pct |
| Cost of funds | 0.32% | 40th pct | 41th pct |
| Loan-to-share | 34.73% | 23th pct | 34th pct |
| Delinquency 60+ days | 3.65% | 82th pct | 79th pct |
| Net charge-off ratio | -0.50% | 7th pct | 3th pct |
| Loan growth YoY | -1.15% | 69th pct | 75th pct |
| Share growth YoY | -5.64% | 15th pct | 11th pct |
| Efficiency ratio | 98.05% | 69th pct | 66th pct |
structural peer set hash: edcdb0265e9c74bcb6f62c158e966a6b… (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.