DEPARTMENT OF COMMERCE
Charter #16410 · Washington, DC · $500M-$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 29,033 sits at the 13th percentile of structural peers — worth a closer look.
- Net worth ratio of 5.67% sits at the 0th percentile of structural peers — worth a closer look.
- Cost of funds of 2.59% sits at the 84th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 1.39% sits at the 87th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 1.82% sits at the 98th percentile of structural peers — worth a closer look.
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 | DEPARTMENT OF COMMERCE | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $762.35M | 62th pct | 36th pct |
| Members | 29,033 | 15th pct | 13th pct |
| Net worth ratio | 5.67% | 0th pct | 0th pct |
| Return on average assets | 0.50% | 41th pct | 57th pct |
| Net interest margin | 2.96% | 18th pct | 36th pct |
| Cost of funds | 2.59% | 94th pct | 84th pct |
| Loan-to-share | 95.64% | 92th pct | 77th pct |
| Delinquency 60+ days | 1.39% | 93th pct | 87th pct |
| Net charge-off ratio | 1.82% | 98th pct | 98th pct |
| Loan growth YoY | -3.43% | 9th pct | 13th pct |
| Share growth YoY | -2.71% | 2th pct | 5th pct |
| Efficiency ratio | 75.61% | 37th pct | 18th pct |
structural peer set hash: c88326ed364537dac32ab2a29c7027d8… (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.