FINANS
Charter #1457 · Hammond, IN · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Cost of funds of 0.16% ranks in the 18th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 2.55% sits at the 82nd percentile of structural peers — worth a closer look.
- Net charge-off ratio of 0.00% ranks in the 23rd percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 100.19% sits at the 77th percentile of structural peers — worth a closer look.
- On Total assets, the asset-size band puts this credit union at the 94th percentile but its structural peers at the 30th — a 65-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 | FINANS | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $9.07M | 94th pct | 30th pct |
| Members | 1,253 | 90th pct | 38th pct |
| Net worth ratio | 11.37% | 19th pct | 33th pct |
| Return on average assets | -0.01% | 32th pct | 28th pct |
| Net interest margin | 4.18% | 54th pct | 70th pct |
| Cost of funds | 0.16% | 26th pct | 18th pct |
| Loan-to-share | 29.77% | 19th pct | 21th pct |
| Delinquency 60+ days | 2.55% | 73th pct | 82th pct |
| Net charge-off ratio | 0.00% | 22th pct | 23th pct |
| Loan growth YoY | -7.17% | 39th pct | 41th pct |
| Share growth YoY | -0.33% | 47th pct | 41th pct |
| Efficiency ratio | 100.19% | 73th pct | 77th pct |
structural peer set hash: 71c51e210fe340d26b87d3731fe8f202… (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.