VALLEY ONE COMMUNITY
Charter #16756 · Steubenville, OH · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Net interest margin of 2.81% sits at the 20th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 0.13% ranks in the 20th percentile among structurally similar credit unions — a relative strength.
- On Total assets, the asset-size band puts this credit union at the 85th percentile but its structural peers at the 49th — a 36-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 | VALLEY ONE COMMUNITY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $41.18M | 85th pct | 49th pct |
| Members | 3,680 | 87th pct | 66th pct |
| Net worth ratio | 12.31% | 39th pct | 59th pct |
| Return on average assets | 0.63% | 49th pct | 39th pct |
| Net interest margin | 2.81% | 11th pct | 20th pct |
| Cost of funds | 0.65% | 42th pct | 51th pct |
| Loan-to-share | 24.24% | 5th pct | 15th pct |
| Delinquency 60+ days | 0.13% | 24th pct | 20th pct |
| Net charge-off ratio | 0.12% | 49th pct | 49th pct |
| Loan growth YoY | -6.01% | 24th pct | 21th pct |
| Share growth YoY | 3.95% | 65th pct | 62th pct |
| Efficiency ratio | 80.74% | 51th pct | 64th pct |
structural peer set hash: e147ba807abc00554292b8697059564b… (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.