FINANCIAL HEALTH
Charter #20793 · Indianapolis, IN · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 6,544 ranks in the 92nd percentile among structurally similar credit unions — a relative strength.
- Return on average assets of -4.46% sits at the 0th percentile of structural peers — worth a closer look.
- Net interest margin of 4.92% ranks in the 95th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 3.08% sits at the 97th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 9.29% sits at the 98th 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 | FINANCIAL HEALTH | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $31.51M | 65th pct | 46th pct |
| Members | 6,544 | 99th pct | 92th pct |
| Net worth ratio | 10.58% | 22th pct | 33th pct |
| Return on average assets | -4.46% | 1th pct | 0th pct |
| Net interest margin | 4.92% | 90th pct | 95th pct |
| Cost of funds | 0.50% | 33th pct | 44th pct |
| Loan-to-share | 43.88% | 26th pct | 44th pct |
| Delinquency 60+ days | 3.08% | 93th pct | 97th pct |
| Net charge-off ratio | 9.29% | 100th pct | 98th pct |
| Loan growth YoY | -9.71% | 8th pct | 7th pct |
| Share growth YoY | 3.02% | 55th pct | 51th pct |
| Efficiency ratio | 98.40% | 87th pct | 85th pct |
structural peer set hash: c9360259ae8c20e229e95ed7f8e969e3… (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.