YTR COMMUNITY
Charter #17550 · Tiltonsville, OH · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 1,038 sits at the 11th percentile of structural peers — worth a closer look.
- Cost of funds of 0.45% ranks in the 25th percentile among structurally similar credit unions — a relative strength.
- On Total assets, the asset-size band puts this credit union at the 11th percentile but its structural peers at the 41st — a 30-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 | YTR COMMUNITY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $12.36M | 11th pct | 41th pct |
| Members | 1,038 | 6th pct | 11th pct |
| Net worth ratio | 14.47% | 56th pct | 48th pct |
| Return on average assets | 0.78% | 57th pct | 48th pct |
| Net interest margin | 3.88% | 51th pct | 57th pct |
| Cost of funds | 0.45% | 29th pct | 25th pct |
| Loan-to-share | 49.79% | 37th pct | 36th pct |
| Delinquency 60+ days | 1.47% | 78th pct | 72th pct |
| Net charge-off ratio | 0.00% | 23th pct | 28th pct |
| Loan growth YoY | 4.33% | 91th pct | 90th pct |
| Share growth YoY | 1.33% | 38th pct | 31th pct |
| Efficiency ratio | 78.13% | 44th pct | 54th pct |
structural peer set hash: 7465558cf94403a780362cac39ac0b89… (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.