INDIANA STATE UNIVERSITY
Charter #13616 · Terre Haute, IN · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 13.46% ranks in the 75th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.06% ranks in the 11th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 81.49% sits at the 77th percentile of structural peers — worth a closer look.
- On Share growth YoY, the asset-size band puts this credit union at the 51st percentile but its structural peers at the 28th — a 23-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 | INDIANA STATE UNIVERSITY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $138.64M | 25th pct | 38th pct |
| Members | 10,088 | 33th pct | 39th pct |
| Net worth ratio | 13.46% | 74th pct | 75th pct |
| Return on average assets | 0.89% | 63th pct | 49th pct |
| Net interest margin | 3.66% | 50th pct | 46th pct |
| Cost of funds | 1.57% | 70th pct | 67th pct |
| Loan-to-share | 65.92% | 38th pct | 48th pct |
| Delinquency 60+ days | 0.42% | 34th pct | 30th pct |
| Net charge-off ratio | 0.06% | 13th pct | 11th pct |
| Loan growth YoY | 1.37% | 60th pct | 62th pct |
| Share growth YoY | 3.52% | 51th pct | 28th pct |
| Efficiency ratio | 81.49% | 61th pct | 77th pct |
structural peer set hash: f32a8c6df7c24068991a9e6ade7097c5… (reproducible)
Closest structural peers
This is the free public view
Claim INDIANA STATE UNIVERSITY
Unlock the full operating picture — scenario modeling, deposit & collections packs, the governed action framework, and an exam-ready evidence binder with every number traced to its basis.
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.