HENRICO
Charter #18175 · Henrico, VA · $500M-$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Net interest margin of 3.19% sits at the 7th percentile of structural peers — worth a closer look.
- Cost of funds of 1.74% sits at the 79th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 1.14% sits at the 89th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 0.38% ranks in the 23rd percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 69.02% ranks in the 21st 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 | HENRICO | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $500.96M | 1th pct | 39th pct |
| Members | 31,449 | 20th pct | 36th pct |
| Net worth ratio | 10.35% | 48th pct | 34th pct |
| Return on average assets | 0.86% | 63th pct | 52th pct |
| Net interest margin | 3.19% | 29th pct | 7th pct |
| Cost of funds | 1.74% | 70th pct | 79th pct |
| Loan-to-share | 68.51% | 21th pct | 26th pct |
| Delinquency 60+ days | 1.14% | 83th pct | 89th pct |
| Net charge-off ratio | 0.38% | 46th pct | 23th pct |
| Loan growth YoY | 3.48% | 77th pct | 77th pct |
| Share growth YoY | 5.03% | 68th pct | 57th pct |
| Efficiency ratio | 69.02% | 20th pct | 21th pct |
structural peer set hash: 472ef2b5f3b1ae22d6e0b67bbcb08619… (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.