BUSINESS AND INDUSTRIAL
Charter #13940 · Columbus, IN · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 3,829 ranks in the 79th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.19% ranks in the 11th percentile among structurally similar credit unions — a relative strength.
- On Return on average assets, the asset-size band puts this credit union at the 76th percentile but its structural peers at the 44th — a 31-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 | BUSINESS AND INDUSTRIAL | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $45.71M | 94th pct | 87th pct |
| Members | 3,829 | 89th pct | 79th pct |
| Net worth ratio | 17.46% | 74th pct | 59th pct |
| Return on average assets | 1.19% | 76th pct | 44th pct |
| Net interest margin | 3.51% | 35th pct | 30th pct |
| Cost of funds | 0.19% | 13th pct | 11th pct |
| Loan-to-share | 46.43% | 31th pct | 38th pct |
| Delinquency 60+ days | 0.35% | 39th pct | 46th pct |
| Net charge-off ratio | 0.01% | 37th pct | 41th pct |
| Loan growth YoY | 6.77% | 95th pct | 92th pct |
| Share growth YoY | 1.54% | 40th pct | 33th pct |
| Efficiency ratio | 72.05% | 31th pct | 61th pct |
structural peer set hash: f790aac517277b655add8c2e1d13b339… (reproducible)
Closest structural peers
This is the free public view
Claim BUSINESS AND INDUSTRIAL
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.