FINANCIAL BUILDERS
Charter #16213 · Kokomo, IN · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 1.13% ranks in the 80th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 1.71% sits at the 93rd percentile of structural peers — worth a closer look.
- Net charge-off ratio of -0.05% ranks in the 3rd percentile among structurally similar credit unions — a relative strength.
- On Cost of funds, the asset-size band puts this credit union at the 78th percentile but its structural peers at the 93rd — a 16-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 | FINANCIAL BUILDERS | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $154.87M | 33th pct | 43th pct |
| Members | 10,144 | 33th pct | 36th pct |
| Net worth ratio | 12.02% | 57th pct | 57th pct |
| Return on average assets | 1.13% | 76th pct | 80th pct |
| Net interest margin | 3.74% | 56th pct | 46th pct |
| Cost of funds | 1.71% | 78th pct | 93th pct |
| Loan-to-share | 69.89% | 46th pct | 48th pct |
| Delinquency 60+ days | 0.78% | 64th pct | 62th pct |
| Net charge-off ratio | -0.05% | 2th pct | 3th pct |
| Loan growth YoY | -2.70% | 19th pct | 21th pct |
| Share growth YoY | 3.03% | 43th pct | 36th pct |
| Efficiency ratio | 79.72% | 54th pct | 51th pct |
structural peer set hash: cb78da30913aede9fcdf2ebb049ea019… (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.