SYLVANIA AREA
Charter #17733 · SYLVANIA, OH · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 9.20% sits at the 5th percentile of structural peers — worth a closer look.
- Net interest margin of 2.51% sits at the 0th percentile of structural peers — worth a closer look.
- Cost of funds of 1.70% sits at the 97th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 0.01% ranks in the 11th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of -1.35% 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 | SYLVANIA AREA | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $25.46M | 50th pct | 38th pct |
| Members | 1,815 | 38th pct | 26th pct |
| Net worth ratio | 9.20% | 12th pct | 5th pct |
| Return on average assets | 0.39% | 35th pct | 49th pct |
| Net interest margin | 2.51% | 6th pct | 0th pct |
| Cost of funds | 1.70% | 82th pct | 97th pct |
| Loan-to-share | 32.33% | 12th pct | 20th pct |
| Delinquency 60+ days | 0.01% | 10th pct | 11th pct |
| Net charge-off ratio | -1.35% | 0th pct | 0th pct |
| Loan growth YoY | 1.14% | 77th pct | 82th pct |
| Share growth YoY | -5.63% | 3th pct | 3th pct |
| Efficiency ratio | 95.04% | 83th pct | 79th pct |
structural peer set hash: 45b0028d796a6a8753cf959fa6a65f2c… (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.