Innorve

U S POSTAL SERVICE

Charter #16402 · CLINTON, MD · $100M-$500M

Public 5300 data · as of 2026Q1

What the numbers say

  • Return on average assets of 0.12% sits at the 5th percentile of structural peers — worth a closer look.
  • Net interest margin of 3.09% sits at the 5th percentile of structural peers — worth a closer look.
  • Efficiency ratio of 92.69% sits at the 95th percentile of structural peers — worth a closer look.
  • On Total assets, the asset-size band puts this credit union at the 71st percentile but its structural peers at the 41st — a 30-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.

MetricU S POSTAL SERVICEAsset-tier percentileStructural percentile
Total assets$286.33M71th pct41th pct
Members25,31788th pct72th pct
Net worth ratio10.49%34th pct43th pct
Return on average assets0.12%12th pct5th pct
Net interest margin3.09%18th pct5th pct
Cost of funds1.32%57th pct62th pct
Loan-to-share74.42%54th pct49th pct
Delinquency 60+ days0.76%62th pct66th pct
Net charge-off ratio0.27%40th pct30th pct
Loan growth YoY1.94%65th pct64th pct
Share growth YoY2.46%34th pct28th pct
Efficiency ratio92.69%90th pct95th pct

structural peer set hash: 405e4e662394367e84596350013bb859… (reproducible)

Closest structural peers

PRINCE GEORGE'S COMMUNITY74.5%
#18271 · MD
BRIDGE60.4%
#62406 · OH
FIRST NORTHERN60%
#66359 · IL
TCT59.5%
#12957 · NY
RIVERFRONT58.7%
#5856 · PA
KEYS58.5%
#4135 · FL
This is the free public view

Claim U S POSTAL SERVICE

Unlock the full operating picture — scenario modeling, deposit & collections packs, the governed action framework, and an exam-ready evidence binder with every number traced to its basis.

Claim this charter

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.