FEDFINANCIAL
Charter #216 · Silver Spring, MD · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 8.70% sits at the 11th percentile of structural peers — worth a closer look.
- Net interest margin of 3.65% ranks in the 75th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 1.64% sits at the 80th percentile of structural peers — worth a closer look.
- On Net interest margin, the asset-size band puts this credit union at the 48th percentile but its structural peers at the 75th — a 28-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 | FEDFINANCIAL | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $77.69M | 63th pct | 57th pct |
| Members | 3,671 | 22th pct | 36th pct |
| Net worth ratio | 8.70% | 8th pct | 11th pct |
| Return on average assets | 0.34% | 31th pct | 30th pct |
| Net interest margin | 3.65% | 48th pct | 75th pct |
| Cost of funds | 0.98% | 55th pct | 64th pct |
| Loan-to-share | 32.45% | 7th pct | 31th pct |
| Delinquency 60+ days | 1.64% | 88th pct | 80th pct |
| Net charge-off ratio | 0.29% | 55th pct | 59th pct |
| Loan growth YoY | -0.82% | 57th pct | 56th pct |
| Share growth YoY | 1.65% | 37th pct | 44th pct |
| Efficiency ratio | 87.34% | 72th pct | 66th pct |
structural peer set hash: e2b8d45db4b2125870058298caf5cb61… (reproducible)
Closest structural peers
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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.