CLEARWAY
Charter #13762 · Malvern, AR · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 21.75% ranks in the 89th percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 0.36% sits at the 13th percentile of structural peers — worth a closer look.
- Net interest margin of 5.67% ranks in the 97th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.35% ranks in the 10th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.65% sits at the 80th percentile of structural peers — worth a closer look.
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 | CLEARWAY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $81.00M | 69th pct | 59th pct |
| Members | 8,953 | 92th pct | 74th pct |
| Net worth ratio | 21.75% | 94th pct | 89th pct |
| Return on average assets | 0.36% | 32th pct | 13th pct |
| Net interest margin | 5.67% | 99th pct | 97th pct |
| Cost of funds | 0.35% | 16th pct | 10th pct |
| Loan-to-share | 86.41% | 92th pct | 69th pct |
| Delinquency 60+ days | 0.82% | 64th pct | 57th pct |
| Net charge-off ratio | 0.65% | 79th pct | 80th pct |
| Loan growth YoY | 3.01% | 85th pct | 80th pct |
| Share growth YoY | 6.58% | 85th pct | 87th pct |
| Efficiency ratio | 87.74% | 74th pct | 87th pct |
structural peer set hash: 913be8da0c01dddb24e822bef54627b5… (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.