MINERVA AREA
Charter #20622 · Minerva, OH · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Net interest margin of 5.25% ranks in the 87th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 4.04% sits at the 95th percentile of structural peers — worth a closer look.
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 | MINERVA AREA | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $17.59M | 29th pct | 38th pct |
| Members | 2,365 | 59th pct | 46th pct |
| Net worth ratio | 14.92% | 59th pct | 70th pct |
| Return on average assets | 1.17% | 75th pct | 74th pct |
| Net interest margin | 5.25% | 95th pct | 87th pct |
| Cost of funds | 0.86% | 51th pct | 54th pct |
| Loan-to-share | 49.54% | 36th pct | 43th pct |
| Delinquency 60+ days | 0.47% | 45th pct | 41th pct |
| Net charge-off ratio | 4.04% | 98th pct | 95th pct |
| Loan growth YoY | -1.49% | 58th pct | 61th pct |
| Share growth YoY | 11.90% | 97th pct | 90th pct |
| Efficiency ratio | 69.45% | 25th pct | 28th pct |
structural peer set hash: 2aea0910a31d21841147cc7c36bec232… (reproducible)
Closest structural peers
This is the free public view
Claim MINERVA AREA
Unlock the full operating picture — scenario modeling, deposit & collections packs, the governed action framework, and an exam-ready evidence binder with every number traced to its basis.
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.