DOY
Charter #20661 · Youngstown, OH · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 2,078 sits at the 18th percentile of structural peers — worth a closer look.
- Net interest margin of 1.47% sits at the 0th percentile of structural peers — worth a closer look.
- Cost of funds of 3.17% sits at the 98th percentile of structural peers — worth a closer look.
- Efficiency ratio of 49.83% ranks in the 2nd percentile among structurally similar credit unions — a relative strength.
- On Delinquency 60+ days, the asset-size band puts this credit union at the 4th percentile but its structural peers at the 26th — a 23-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 | DOY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $70.06M | 47th pct | 48th pct |
| Members | 2,078 | 2th pct | 18th pct |
| Net worth ratio | 14.08% | 63th pct | 62th pct |
| Return on average assets | 0.76% | 54th pct | 51th pct |
| Net interest margin | 1.47% | 1th pct | 0th pct |
| Cost of funds | 3.17% | 99th pct | 98th pct |
| Loan-to-share | 43.61% | 19th pct | 34th pct |
| Delinquency 60+ days | 0.03% | 4th pct | 26th pct |
| Net charge-off ratio | 0.00% | 14th pct | 28th pct |
| Loan growth YoY | 1.96% | 79th pct | 79th pct |
| Share growth YoY | 5.25% | 76th pct | 80th pct |
| Efficiency ratio | 49.83% | 4th pct | 2th pct |
structural peer set hash: a13c9cecbf18b39944bf243ba942af9b… (reproducible)
Closest structural peers
This is the free public view
Claim DOY
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.