INLAND MOTOR EMPLOYEES
Charter #14898 · Radford, VA · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Net interest margin of 7.93% ranks in the 97th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.08% ranks in the 3rd percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 2.51% sits at the 85th percentile of structural peers — worth a closer look.
- Net charge-off ratio of -0.55% ranks in the 5th percentile among structurally similar credit unions — a relative strength.
- On Loan-to-share, the asset-size band puts this credit union at the 91st percentile but its structural peers at the 61st — a 30-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 | INLAND MOTOR EMPLOYEES | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $1.54M | 24th pct | 10th pct |
| Members | 500 | 44th pct | 26th pct |
| Net worth ratio | 30.19% | 86th pct | 67th pct |
| Return on average assets | 0.74% | 62th pct | 62th pct |
| Net interest margin | 7.93% | 98th pct | 97th pct |
| Cost of funds | 0.08% | 18th pct | 3th pct |
| Loan-to-share | 95.00% | 91th pct | 61th pct |
| Delinquency 60+ days | 2.51% | 73th pct | 85th pct |
| Net charge-off ratio | -0.55% | 6th pct | 5th pct |
| Loan growth YoY | -10.02% | 28th pct | 11th pct |
| Share growth YoY | -6.56% | 13th pct | 18th pct |
| Efficiency ratio | 77.32% | 35th pct | 36th pct |
structural peer set hash: 13d2e1ab0523d78251253aff2a6c4499… (reproducible)
Closest structural peers
This is the free public view
Claim INLAND MOTOR EMPLOYEES
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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.