JUSTICE
Charter #151 · Chantilly, VA · >$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 11.94% ranks in the 77th percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 0.41% sits at the 23rd percentile of structural peers — worth a closer look.
- On Total assets, the asset-size band puts this credit union at the 11th percentile but its structural peers at the 44th — a 33-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 | JUSTICE | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $1.16B | 11th pct | 44th pct |
| Members | 73,552 | 21th pct | 52th pct |
| Net worth ratio | 11.94% | 70th pct | 77th pct |
| Return on average assets | 0.41% | 22th pct | 23th pct |
| Net interest margin | 3.58% | 65th pct | 46th pct |
| Cost of funds | 1.61% | 41th pct | 57th pct |
| Loan-to-share | 79.45% | 30th pct | 33th pct |
| Delinquency 60+ days | 0.89% | 73th pct | 74th pct |
| Net charge-off ratio | 0.76% | 71th pct | 74th pct |
| Loan growth YoY | 5.80% | 86th pct | 92th pct |
| Share growth YoY | 2.94% | 29th pct | 34th pct |
| Efficiency ratio | 76.75% | 66th pct | 49th pct |
structural peer set hash: 609183072f161d31a3b4d33c24c5e2e5… (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.