TRIUS
Charter #17999 · Kearney, NE · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Net interest margin of 5.72% ranks in the 93rd percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 1.87% sits at the 93rd percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 1.19% sits at the 84th percentile of structural peers — worth a closer look.
- On Net charge-off ratio, the asset-size band puts this credit union at the 69th percentile but its structural peers at the 39th — 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 | TRIUS | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $152.36M | 32th pct | 25th pct |
| Members | 20,483 | 78th pct | 59th pct |
| Net worth ratio | 10.43% | 33th pct | 33th pct |
| Return on average assets | 0.86% | 61th pct | 62th pct |
| Net interest margin | 5.72% | 99th pct | 93th pct |
| Cost of funds | 1.87% | 84th pct | 93th pct |
| Loan-to-share | 93.53% | 94th pct | 89th pct |
| Delinquency 60+ days | 1.19% | 83th pct | 84th pct |
| Net charge-off ratio | 0.55% | 69th pct | 39th pct |
| Loan growth YoY | 9.20% | 97th pct | 95th pct |
| Share growth YoY | 9.55% | 96th pct | 90th pct |
| Efficiency ratio | 81.58% | 61th pct | 67th pct |
structural peer set hash: 79f4165f45ce4ed2f45be1c259e55721… (reproducible)
Closest structural peers
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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.