S AND J SCHOOL EMPLOYEES
Charter #17331 · Wintersville, OH · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Net interest margin of 6.04% ranks in the 92nd percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.06% ranks in the 2nd percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 2.79% sits at the 85th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 0.00% ranks in the 21st percentile among structurally similar credit unions — a relative strength.
- On Net worth ratio, the asset-size band puts this credit union at the 18th percentile but its structural peers at the 46th — a 28-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 | S AND J SCHOOL EMPLOYEES | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $3.00M | 40th pct | 20th pct |
| Members | 624 | 53th pct | 31th pct |
| Net worth ratio | 11.06% | 18th pct | 46th pct |
| Return on average assets | 0.46% | 51th pct | 56th pct |
| Net interest margin | 6.04% | 91th pct | 92th pct |
| Cost of funds | 0.06% | 17th pct | 2th pct |
| Loan-to-share | 73.45% | 68th pct | 48th pct |
| Delinquency 60+ days | 2.79% | 76th pct | 85th pct |
| Net charge-off ratio | 0.00% | 22th pct | 21th pct |
| Loan growth YoY | -1.28% | 68th pct | 72th pct |
| Share growth YoY | -2.78% | 29th pct | 26th pct |
| Efficiency ratio | 92.36% | 59th pct | 62th pct |
structural peer set hash: 425ccb3200d9fc458d1b3947eb243afd… (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.