VANTAGE POINT
Charter #17630 · HOPEWELL, VA · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 16.64% ranks in the 77th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 2.26% sits at the 90th percentile of structural peers — worth a closer look.
- On Total assets, the asset-size band puts this credit union at the 91st percentile but its structural peers at the 62nd — a 29-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 | VANTAGE POINT | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $44.64M | 91th pct | 62th pct |
| Members | 2,960 | 74th pct | 48th pct |
| Net worth ratio | 16.64% | 69th pct | 77th pct |
| Return on average assets | 0.88% | 62th pct | 56th pct |
| Net interest margin | 3.93% | 54th pct | 61th pct |
| Cost of funds | 0.53% | 35th pct | 44th pct |
| Loan-to-share | 42.07% | 24th pct | 38th pct |
| Delinquency 60+ days | 2.26% | 87th pct | 90th pct |
| Net charge-off ratio | 0.51% | 72th pct | 57th pct |
| Loan growth YoY | -5.01% | 30th pct | 18th pct |
| Share growth YoY | 3.62% | 62th pct | 54th pct |
| Efficiency ratio | 75.69% | 39th pct | 48th pct |
structural peer set hash: a64604cbbd2e9f8d854e7a39c50056b6… (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.