SIGNATURE
Charter #20061 · ALEXANDRIA, VA · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Net interest margin of 3.39% sits at the 20th percentile of structural peers — worth a closer look.
- Cost of funds of 3.16% sits at the 97th percentile of structural peers — worth a closer look.
- On Total assets, the asset-size band puts this credit union at the 90th percentile but its structural peers at the 54th — a 36-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 | SIGNATURE | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $406.67M | 90th pct | 54th pct |
| Members | 26,997 | 91th pct | 56th pct |
| Net worth ratio | 10.86% | 40th pct | 70th pct |
| Return on average assets | 0.05% | 10th pct | 26th pct |
| Net interest margin | 3.39% | 34th pct | 20th pct |
| Cost of funds | 3.16% | 99th pct | 97th pct |
| Loan-to-share | 110.79% | 100th pct | 93th pct |
| Delinquency 60+ days | 1.03% | 77th pct | 70th pct |
| Net charge-off ratio | 0.73% | 80th pct | 62th pct |
| Loan growth YoY | -2.65% | 19th pct | 18th pct |
| Share growth YoY | -12.80% | 0th pct | 0th pct |
| Efficiency ratio | 89.50% | 84th pct | 64th pct |
structural peer set hash: dcd4d76ad820915d3b9cc7b86a8d0843… (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.