R T P
Charter #18550 · RTP, NC · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 9,312 sits at the 23rd percentile of structural peers — worth a closer look.
- Net worth ratio of 7.98% sits at the 7th percentile of structural peers — worth a closer look.
- Return on average assets of 0.15% sits at the 13th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 0.75% sits at the 84th percentile of structural peers — worth a closer look.
- On Cost of funds, the asset-size band puts this credit union at the 36th percentile but its structural peers at the 52nd — a 17-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 | R T P | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $143.91M | 28th pct | 33th pct |
| Members | 9,312 | 27th pct | 23th pct |
| Net worth ratio | 7.98% | 3th pct | 7th pct |
| Return on average assets | 0.15% | 14th pct | 13th pct |
| Net interest margin | 3.43% | 36th pct | 30th pct |
| Cost of funds | 0.94% | 36th pct | 52th pct |
| Loan-to-share | 62.25% | 31th pct | 34th pct |
| Delinquency 60+ days | 0.60% | 50th pct | 56th pct |
| Net charge-off ratio | 0.75% | 81th pct | 84th pct |
| Loan growth YoY | -3.24% | 15th pct | 15th pct |
| Share growth YoY | 0.61% | 13th pct | 18th pct |
| Efficiency ratio | 87.21% | 78th pct | 74th pct |
structural peer set hash: 9499e336ad535395b4c72d5072399f4c… (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.