DEL MET
Charter #19390 · MUNCIE, IN · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 892 sits at the 20th percentile of structural peers — worth a closer look.
- Net interest margin of 2.19% sits at the 2nd percentile of structural peers — worth a closer look.
- Cost of funds of 0.08% ranks in the 10th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.00% ranks in the 20th percentile among structurally similar credit unions — a relative strength.
- On Total assets, the asset-size band puts this credit union at the 89th percentile but its structural peers at the 23rd — a 66-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 | DEL MET | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $8.31M | 89th pct | 23th pct |
| Members | 892 | 77th pct | 20th pct |
| Net worth ratio | 14.87% | 38th pct | 61th pct |
| Return on average assets | 0.27% | 45th pct | 39th pct |
| Net interest margin | 2.19% | 9th pct | 2th pct |
| Cost of funds | 0.08% | 18th pct | 10th pct |
| Loan-to-share | 21.48% | 12th pct | 5th pct |
| Delinquency 60+ days | 0.77% | 48th pct | 64th pct |
| Net charge-off ratio | 0.00% | 22th pct | 20th pct |
| Loan growth YoY | -21.57% | 6th pct | 0th pct |
| Share growth YoY | -2.86% | 29th pct | 15th pct |
| Efficiency ratio | 89.78% | 56th pct | 57th pct |
structural peer set hash: d95dbaa1918a4212df515035764d007b… (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.