RICHMOND LIGHT EMPLOYEES
Charter #17454 · Richmond, IN · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 122 sits at the 0th percentile of structural peers — worth a closer look.
- Return on average assets of -0.60% sits at the 16th percentile of structural peers — worth a closer look.
- Net interest margin of 1.70% sits at the 0th percentile of structural peers — worth a closer look.
- Cost of funds of 4.90% sits at the 98th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 0.00% ranks in the 0th percentile among structurally similar credit unions — a relative strength.
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 | RICHMOND LIGHT EMPLOYEES | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $1.19M | 20th pct | 5th pct |
| Members | 122 | 6th pct | 0th pct |
| Net worth ratio | 21.51% | 64th pct | 46th pct |
| Return on average assets | -0.60% | 21th pct | 16th pct |
| Net interest margin | 1.70% | 5th pct | 0th pct |
| Cost of funds | 4.90% | 100th pct | 98th pct |
| Loan-to-share | 144.29% | 100th pct | 98th pct |
| Delinquency 60+ days | 0.00% | 0th pct | 0th pct |
| Net charge-off ratio | 0.00% | 22th pct | 16th pct |
| Loan growth YoY | -7.50% | 38th pct | 21th pct |
| Share growth YoY | -12.20% | 5th pct | 2th pct |
| Efficiency ratio | 132.57% | 90th pct | 97th pct |
structural peer set hash: 50fb24f09d4434a964fea8455fb2a1db… (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.