N A E
Charter #16706 · Chesapeake, VA · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Efficiency ratio of 89.66% sits at the 84th percentile of structural peers — worth a closer look.
- On Total assets, the asset-size band puts this credit union at the 18th percentile but its structural peers at the 57th — a 39-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 | N A E | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $126.92M | 18th pct | 57th pct |
| Members | 11,347 | 40th pct | 59th pct |
| Net worth ratio | 15.81% | 88th pct | 74th pct |
| Return on average assets | 0.30% | 22th pct | 26th pct |
| Net interest margin | 4.12% | 77th pct | 51th pct |
| Cost of funds | 0.59% | 22th pct | 26th pct |
| Loan-to-share | 78.26% | 63th pct | 54th pct |
| Delinquency 60+ days | 0.40% | 31th pct | 41th pct |
| Net charge-off ratio | 0.55% | 69th pct | 56th pct |
| Loan growth YoY | 1.46% | 61th pct | 62th pct |
| Share growth YoY | 0.43% | 12th pct | 18th pct |
| Efficiency ratio | 89.66% | 85th pct | 84th pct |
structural peer set hash: c6c3d13c0aaff45a6daac8ad101439a4… (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.