U S #1364
Charter #1364 · MERRILLVILLE, IN · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Net interest margin of 2.62% sits at the 10th percentile of structural peers — worth a closer look.
- Cost of funds of 1.75% sits at the 82nd percentile of structural peers — worth a closer look.
- On Loan-to-share, the asset-size band puts this credit union at the 9th percentile but its structural peers at the 33rd — a 24-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 | U S #1364 | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $218.86M | 56th pct | 64th pct |
| Members | 13,028 | 50th pct | 62th pct |
| Net worth ratio | 13.58% | 75th pct | 69th pct |
| Return on average assets | 0.70% | 50th pct | 33th pct |
| Net interest margin | 2.62% | 6th pct | 10th pct |
| Cost of funds | 1.75% | 79th pct | 82th pct |
| Loan-to-share | 47.22% | 9th pct | 33th pct |
| Delinquency 60+ days | 0.90% | 72th pct | 72th pct |
| Net charge-off ratio | 0.17% | 27th pct | 36th pct |
| Loan growth YoY | -0.98% | 36th pct | 38th pct |
| Share growth YoY | 4.30% | 62th pct | 57th pct |
| Efficiency ratio | 79.64% | 54th pct | 61th pct |
structural peer set hash: dfc5d1d935ff28f74a6917cf8aaa7608… (reproducible)
Closest structural peers
This is the free public view
Claim U S #1364
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.