COMBINED
Charter #18474 · HOT SPRINGS, AR · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 1,773 ranks in the 75th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 5.48% ranks in the 80th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 2.21% sits at the 84th percentile of structural peers — worth a closer look.
- Net charge-off ratio of -0.02% ranks in the 13th percentile among structurally similar credit unions — a relative strength.
- On Loan growth YoY, the asset-size band puts this credit union at the 30th percentile but its structural peers at the 0th — 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 | COMBINED | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $8.89M | 93th pct | 64th pct |
| Members | 1,773 | 96th pct | 75th pct |
| Net worth ratio | 13.21% | 28th pct | 41th pct |
| Return on average assets | 1.04% | 73th pct | 69th pct |
| Net interest margin | 5.48% | 85th pct | 80th pct |
| Cost of funds | 1.34% | 74th pct | 49th pct |
| Loan-to-share | 89.44% | 86th pct | 72th pct |
| Delinquency 60+ days | 2.21% | 70th pct | 84th pct |
| Net charge-off ratio | -0.02% | 19th pct | 13th pct |
| Loan growth YoY | -9.51% | 30th pct | 0th pct |
| Share growth YoY | -2.88% | 28th pct | 23th pct |
| Efficiency ratio | 85.15% | 48th pct | 62th pct |
structural peer set hash: 91c9fd956ae88e4e1525e273b002eb20… (reproducible)
Closest structural peers
This is the free public view
Claim COMBINED
Unlock the full operating picture — scenario modeling, deposit & collections packs, the governed action framework, and an exam-ready evidence binder with every number traced to its basis.
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.