PLANTERS
Charter #21367 · Suffolk, VA · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Net interest margin of 5.31% ranks in the 85th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 1.45% sits at the 75th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 8.30% sits at the 92nd percentile of structural peers — worth a closer look.
- On Net charge-off ratio, the asset-size band puts this credit union at the 81st percentile but its structural peers at the 64th — a 17-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 | PLANTERS | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $2.41M | 34th pct | 25th pct |
| Members | 471 | 40th pct | 28th pct |
| Net worth ratio | 21.69% | 64th pct | 56th pct |
| Return on average assets | 0.43% | 50th pct | 43th pct |
| Net interest margin | 5.31% | 83th pct | 85th pct |
| Cost of funds | 1.45% | 77th pct | 75th pct |
| Loan-to-share | 42.72% | 32th pct | 43th pct |
| Delinquency 60+ days | 8.30% | 93th pct | 92th pct |
| Net charge-off ratio | 0.44% | 81th pct | 64th pct |
| Loan growth YoY | -6.17% | 45th pct | 54th pct |
| Share growth YoY | -5.18% | 17th pct | 10th pct |
| Efficiency ratio | 91.43% | 58th pct | 69th pct |
structural peer set hash: 9f0923c281f0e7b9244265ddc4947c2e… (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.