HARTFORD
Charter #14388 · Hartford, CT · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 16,205 ranks in the 84th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.55% ranks in the 23rd percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 1.36% sits at the 84th percentile of structural peers — worth a closer look.
- Efficiency ratio of 86.10% sits at the 75th percentile of structural peers — worth a closer look.
- On Members, the asset-size band puts this credit union at the 64th percentile but its structural peers at the 84th — a 20-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 | HARTFORD | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $156.40M | 34th pct | 43th pct |
| Members | 16,205 | 64th pct | 84th pct |
| Net worth ratio | 13.02% | 69th pct | 69th pct |
| Return on average assets | 0.71% | 51th pct | 48th pct |
| Net interest margin | 3.62% | 48th pct | 64th pct |
| Cost of funds | 0.55% | 21th pct | 23th pct |
| Loan-to-share | 52.54% | 14th pct | 30th pct |
| Delinquency 60+ days | 1.36% | 87th pct | 84th pct |
| Net charge-off ratio | 0.09% | 17th pct | 33th pct |
| Loan growth YoY | 1.17% | 59th pct | 70th pct |
| Share growth YoY | 7.26% | 89th pct | 95th pct |
| Efficiency ratio | 86.10% | 75th pct | 75th pct |
structural peer set hash: 410b69cb3a555ec6a785db9c2eb7b94d… (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.