GARY MUNICIPAL EMPLOYEES
Charter #16126 · Gary, IN · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 135 sits at the 25th percentile of structural peers — worth a closer look.
- Net worth ratio of 39.79% ranks in the 79th percentile among structurally similar credit unions — a relative strength.
- Return on average assets of -3.10% sits at the 16th percentile of structural peers — worth a closer look.
- Net interest margin of 5.44% ranks in the 90th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of -0.90% ranks in the 13th 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 | GARY MUNICIPAL EMPLOYEES | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | 543,996 | 11th pct | 26th pct |
| Members | 135 | 8th pct | 25th pct |
| Net worth ratio | 39.79% | 94th pct | 79th pct |
| Return on average assets | -3.10% | 8th pct | 16th pct |
| Net interest margin | 5.44% | 85th pct | 90th pct |
| Cost of funds | 0.20% | 29th pct | 34th pct |
| Loan-to-share | 39.61% | 29th pct | 61th pct |
| Delinquency 60+ days | 0.54% | 43th pct | 44th pct |
| Net charge-off ratio | -0.90% | 5th pct | 13th pct |
| Loan growth YoY | -11.12% | 24th pct | 31th pct |
| Share growth YoY | 7.37% | 89th pct | 87th pct |
| Efficiency ratio | 154.77% | 94th pct | 80th pct |
structural peer set hash: 0899112d892ffdcc0f1df588a168d5aa… (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.