REGIONAL
Charter #15072 · Winfield, IN · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 26,768 ranks in the 80th percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 0.21% sits at the 11th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 0.98% sits at the 82nd percentile of structural peers — worth a closer look.
- On Net interest margin, the asset-size band puts this credit union at the 74th percentile but its structural peers at the 56th — a 18-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 | REGIONAL | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $184.32M | 46th pct | 36th pct |
| Members | 26,768 | 90th pct | 80th pct |
| Net worth ratio | 13.14% | 70th pct | 70th pct |
| Return on average assets | 0.21% | 17th pct | 11th pct |
| Net interest margin | 4.04% | 74th pct | 56th pct |
| Cost of funds | 0.89% | 33th pct | 41th pct |
| Loan-to-share | 77.93% | 63th pct | 48th pct |
| Delinquency 60+ days | 0.98% | 75th pct | 82th pct |
| Net charge-off ratio | 0.56% | 70th pct | 52th pct |
| Loan growth YoY | -1.07% | 35th pct | 23th pct |
| Share growth YoY | 1.00% | 17th pct | 21th pct |
| Efficiency ratio | 84.33% | 70th pct | 70th pct |
structural peer set hash: 04772c6757d2d859606d0d078765cdc4… (reproducible)
Closest structural peers
This is the free public view
Claim REGIONAL
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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.