THREE RIVERS
Charter #159 · FORT WAYNE, IN · >$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 13.60% ranks in the 89th percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 1.85% ranks in the 98th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 3.71% ranks in the 80th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 1.21% sits at the 84th percentile of structural peers — worth a closer look.
- Efficiency ratio of 63.75% ranks in the 15th percentile among structurally similar credit unions — a relative strength.
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 | THREE RIVERS | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $2.81B | 63th pct | 59th pct |
| Members | 138,447 | 56th pct | 54th pct |
| Net worth ratio | 13.60% | 87th pct | 89th pct |
| Return on average assets | 1.85% | 98th pct | 98th pct |
| Net interest margin | 3.71% | 74th pct | 80th pct |
| Cost of funds | 2.17% | 70th pct | 69th pct |
| Loan-to-share | 85.84% | 47th pct | 41th pct |
| Delinquency 60+ days | 1.21% | 87th pct | 84th pct |
| Net charge-off ratio | 0.41% | 35th pct | 57th pct |
| Loan growth YoY | -1.69% | 11th pct | 3th pct |
| Share growth YoY | 3.65% | 41th pct | 39th pct |
| Efficiency ratio | 63.75% | 21th pct | 15th pct |
structural peer set hash: 00222150230b4ecabc0d968037847bbd… (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.