TREASURY DEPARTMENT
Charter #162 · WASHINGTON, DC · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Cost of funds of 0.71% ranks in the 15th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.49% sits at the 84th percentile of structural peers — worth a closer look.
- On Net worth ratio, the asset-size band puts this credit union at the 29th percentile but its structural peers at the 51st — a 22-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 | TREASURY DEPARTMENT | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $179.56M | 44th pct | 39th pct |
| Members | 10,993 | 38th pct | 39th pct |
| Net worth ratio | 10.11% | 29th pct | 51th pct |
| Return on average assets | 0.25% | 20th pct | 36th pct |
| Net interest margin | 3.65% | 50th pct | 57th pct |
| Cost of funds | 0.71% | 26th pct | 15th pct |
| Loan-to-share | 69.68% | 45th pct | 56th pct |
| Delinquency 60+ days | 0.87% | 69th pct | 66th pct |
| Net charge-off ratio | 0.49% | 64th pct | 84th pct |
| Loan growth YoY | 1.26% | 59th pct | 61th pct |
| Share growth YoY | 0.91% | 16th pct | 21th pct |
| Efficiency ratio | 81.68% | 61th pct | 43th pct |
structural peer set hash: ba6ba98bfa4fa228734fbc17c9e8ec46… (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.