TRIANGLE
Charter #13334 · Columbus, MS · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Delinquency 60+ days of 1.71% sits at the 89th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 1.41% sits at the 92nd 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 34th — a 18-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 | TRIANGLE | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $125.58M | 17th pct | 34th pct |
| Members | 11,663 | 42th pct | 44th pct |
| Net worth ratio | 11.25% | 46th pct | 39th pct |
| Return on average assets | 1.22% | 79th pct | 72th pct |
| Net interest margin | 4.07% | 75th pct | 64th pct |
| Cost of funds | 0.57% | 22th pct | 28th pct |
| Loan-to-share | 58.47% | 24th pct | 31th pct |
| Delinquency 60+ days | 1.71% | 93th pct | 89th pct |
| Net charge-off ratio | 1.41% | 95th pct | 92th pct |
| Loan growth YoY | -4.07% | 10th pct | 11th pct |
| Share growth YoY | 8.75% | 95th pct | 90th pct |
| Efficiency ratio | 71.72% | 28th pct | 28th pct |
structural peer set hash: 4581a7a6ac2e117a417560eeb3bfaea3… (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.