TOPMARK

Charter #15438 · Cridersville, OH · $50M-$100M

Public 5300 data · as of 2026Q1

What the numbers say

Net interest margin of 5.12% ranks in the 98th percentile among structurally similar credit unions — a relative strength.
Delinquency 60+ days of 1.64% sits at the 82nd percentile of structural peers — worth a closer look.
Net charge-off ratio of 1.40% sits at the 90th percentile of structural peers — worth a closer look.
On Members, the asset-size band puts this credit union at the 91st percentile but its structural peers at the 72nd — 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	TOPMARK	Asset-tier percentile	Structural percentile
Total assets	$62.27M	30th pct	21th pct
Members	8,796	91th pct	72th pct
Net worth ratio	10.14%	22th pct	30th pct
Return on average assets	0.36%	32th pct	26th pct
Net interest margin	5.12%	97th pct	98th pct
Cost of funds	0.86%	46th pct	31th pct
Loan-to-share	70.24%	68th pct	66th pct
Delinquency 60+ days	1.64%	89th pct	82th pct
Net charge-off ratio	1.40%	94th pct	90th pct
Loan growth YoY	-1.84%	47th pct	34th pct
Share growth YoY	6.16%	82th pct	69th pct
Efficiency ratio	84.71%	65th pct	72th pct

structural peer set hash: c6db1d58201c8e91f32c3aa14eac9ecd… (reproducible)

Closest structural peers

DAVIESS COUNTY TEACHERS64.6%

#20684 · KY

GRATIOT COMMUNITY63.9%

#61986 · MI

L C E62.4%

#13885 · OH

NEIGHBORS UNITED61.4%

#24851 · SC

COMMUNITY ONE CREDIT UNION OF OHIO59.2%

#62628 · OH

SUSQUEHANNA VALLEY58.9%

#18242 · PA

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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.