ONPATH
Charter #14692 · Metairie, LA · >$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Net interest margin of 4.16% ranks in the 85th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 2.34% sits at the 87th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 1.42% sits at the 97th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 1.43% sits at the 98th percentile of structural peers — worth a closer look.
- On Total assets, the asset-size band puts this credit union at the 17th percentile but its structural peers at the 43rd — a 25-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 | ONPATH | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $1.26B | 17th pct | 43th pct |
| Members | 92,011 | 37th pct | 54th pct |
| Net worth ratio | 11.49% | 65th pct | 74th pct |
| Return on average assets | 0.89% | 64th pct | 61th pct |
| Net interest margin | 4.16% | 92th pct | 85th pct |
| Cost of funds | 2.34% | 81th pct | 87th pct |
| Loan-to-share | 97.22% | 84th pct | 82th pct |
| Delinquency 60+ days | 1.42% | 93th pct | 97th pct |
| Net charge-off ratio | 1.43% | 95th pct | 98th pct |
| Loan growth YoY | 9.99% | 95th pct | 93th pct |
| Share growth YoY | 12.19% | 95th pct | 92th pct |
| Efficiency ratio | 71.81% | 47th pct | 33th pct |
structural peer set hash: 3c90dc9512d7875019f3b4e75c0de243… (reproducible)
Closest structural peers
This is the free public view
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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.