FASSON EMPLOYEES
Charter #13115 · PAINESVILLE, OH · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 20.61% ranks in the 77th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 2.81% sits at the 11th percentile of structural peers — worth a closer look.
- Cost of funds of 1.97% sits at the 89th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 0.79% sits at the 82nd percentile of structural peers — worth a closer look.
- On Total assets, the asset-size band puts this credit union at the 17th percentile but its structural peers at the 43rd — a 26-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 | FASSON EMPLOYEES | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $13.92M | 17th pct | 43th pct |
| Members | 1,293 | 17th pct | 30th pct |
| Net worth ratio | 20.61% | 87th pct | 77th pct |
| Return on average assets | 0.90% | 63th pct | 41th pct |
| Net interest margin | 2.81% | 12th pct | 11th pct |
| Cost of funds | 1.97% | 90th pct | 89th pct |
| Loan-to-share | 46.42% | 31th pct | 39th pct |
| Delinquency 60+ days | 0.47% | 45th pct | 46th pct |
| Net charge-off ratio | 0.79% | 81th pct | 82th pct |
| Loan growth YoY | -6.47% | 21th pct | 28th pct |
| Share growth YoY | 0.86% | 34th pct | 30th pct |
| Efficiency ratio | 63.03% | 15th pct | 30th pct |
structural peer set hash: e5875f5d76e5c7aabda7c94f084d2907… (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.