BULL DOG
Charter #18868 · HAGERSTOWN, MD · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 21,251 ranks in the 89th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 3.73% ranks in the 75th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.53% ranks in the 25th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 1.03% sits at the 92nd percentile of structural peers — worth a closer look.
- On Net interest margin, the asset-size band puts this credit union at the 55th percentile but its structural peers at the 75th — a 21-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 | BULL DOG | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $241.48M | 61th pct | 77th pct |
| Members | 21,251 | 80th pct | 89th pct |
| Net worth ratio | 11.87% | 55th pct | 39th pct |
| Return on average assets | 0.92% | 64th pct | 54th pct |
| Net interest margin | 3.73% | 55th pct | 75th pct |
| Cost of funds | 0.53% | 21th pct | 25th pct |
| Loan-to-share | 40.24% | 5th pct | 16th pct |
| Delinquency 60+ days | 0.52% | 43th pct | 44th pct |
| Net charge-off ratio | 1.03% | 89th pct | 92th pct |
| Loan growth YoY | 2.22% | 68th pct | 80th pct |
| Share growth YoY | 2.08% | 29th pct | 31th pct |
| Efficiency ratio | 68.71% | 22th pct | 30th pct |
structural peer set hash: 28cdccefd711b03f62848dedd3a9dd5b… (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.