EASTRISE
Charter #19263 · Williston, VT · >$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 12.09% ranks in the 82nd percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.10% ranks in the 15th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 82.54% sits at the 77th percentile of structural peers — worth a closer look.
- On Loan-to-share, the asset-size band puts this credit union at the 88th percentile but its structural peers at the 69th — a 19-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 | EASTRISE | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $3.17B | 67th pct | 57th pct |
| Members | 176,876 | 68th pct | 74th pct |
| Net worth ratio | 12.09% | 72th pct | 82th pct |
| Return on average assets | 0.45% | 25th pct | 28th pct |
| Net interest margin | 3.24% | 44th pct | 62th pct |
| Cost of funds | 1.83% | 52th pct | 39th pct |
| Loan-to-share | 99.20% | 88th pct | 69th pct |
| Delinquency 60+ days | 0.49% | 36th pct | 49th pct |
| Net charge-off ratio | 0.10% | 6th pct | 15th pct |
| Loan growth YoY | 2.32% | 59th pct | 51th pct |
| Share growth YoY | 3.68% | 42th pct | 52th pct |
| Efficiency ratio | 82.54% | 85th pct | 77th pct |
structural peer set hash: dd1065dd970b4dc599d3dce4f2457c58… (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.