CALL
Charter #15209 · Richmond, VA · $500M-$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 0.21% sits at the 11th percentile of structural peers — worth a closer look.
- Cost of funds of 0.69% ranks in the 20th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 0.24% ranks in the 23rd percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.07% ranks in the 8th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 93.02% sits at the 93rd percentile of structural peers — worth a closer look.
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 | CALL | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $570.05M | 18th pct | 44th pct |
| Members | 27,680 | 12th pct | 33th pct |
| Net worth ratio | 10.14% | 45th pct | 39th pct |
| Return on average assets | 0.21% | 16th pct | 11th pct |
| Net interest margin | 3.20% | 30th pct | 48th pct |
| Cost of funds | 0.69% | 16th pct | 20th pct |
| Loan-to-share | 53.13% | 6th pct | 15th pct |
| Delinquency 60+ days | 0.24% | 15th pct | 23th pct |
| Net charge-off ratio | 0.07% | 7th pct | 8th pct |
| Loan growth YoY | 2.22% | 63th pct | 59th pct |
| Share growth YoY | 6.02% | 79th pct | 77th pct |
| Efficiency ratio | 93.02% | 95th pct | 93th pct |
structural peer set hash: e94751396a60fa4c0e330a69b4b2b6d6… (reproducible)
Closest structural peers
This is the free public view
Claim CALL
Unlock the full operating picture — scenario modeling, deposit & collections packs, the governed action framework, and an exam-ready evidence binder with every number traced to its basis.
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.