R.I.A.
Charter #17117 · Rock Island, IL · $500M-$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 8.23% sits at the 5th percentile of structural peers — worth a closer look.
- Cost of funds of 1.79% sits at the 80th percentile of structural peers — worth a closer look.
- Efficiency ratio of 83.27% sits at the 77th 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 | R.I.A. | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $674.09M | 44th pct | 34th pct |
| Members | 39,879 | 46th pct | 34th pct |
| Net worth ratio | 8.23% | 8th pct | 5th pct |
| Return on average assets | 0.41% | 28th pct | 31th pct |
| Net interest margin | 3.76% | 72th pct | 62th pct |
| Cost of funds | 1.79% | 72th pct | 80th pct |
| Loan-to-share | 76.85% | 36th pct | 34th pct |
| Delinquency 60+ days | 0.60% | 51th pct | 54th pct |
| Net charge-off ratio | 0.69% | 74th pct | 66th pct |
| Loan growth YoY | -1.69% | 20th pct | 20th pct |
| Share growth YoY | 5.18% | 71th pct | 77th pct |
| Efficiency ratio | 83.27% | 73th pct | 77th pct |
structural peer set hash: 2e2b8f18a14b49eeb688b3ac0cf49922… (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.