FEDCHOICE
Charter #150 · Lanham, MD · $500M-$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 25,704 sits at the 20th percentile of structural peers — worth a closer look.
- Net worth ratio of 9.26% sits at the 25th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 1.23% sits at the 85th percentile of structural peers — worth a closer look.
- Efficiency ratio of 83.84% sits at the 77th percentile of structural peers — worth a closer look.
- On Share growth YoY, the asset-size band puts this credit union at the 81st percentile but its structural peers at the 52nd — a 29-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 | FEDCHOICE | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $503.36M | 2th pct | 20th pct |
| Members | 25,704 | 8th pct | 20th pct |
| Net worth ratio | 9.26% | 23th pct | 25th pct |
| Return on average assets | 0.49% | 38th pct | 34th pct |
| Net interest margin | 3.50% | 48th pct | 46th pct |
| Cost of funds | 1.26% | 36th pct | 38th pct |
| Loan-to-share | 80.11% | 48th pct | 44th pct |
| Delinquency 60+ days | 1.23% | 87th pct | 85th pct |
| Net charge-off ratio | 0.29% | 36th pct | 33th pct |
| Loan growth YoY | 18.41% | 99th pct | 95th pct |
| Share growth YoY | 6.26% | 81th pct | 52th pct |
| Efficiency ratio | 83.84% | 74th pct | 77th pct |
structural peer set hash: ea7ffc2d151d96d3c0c7078ee3ad3253… (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.