THE HEART CENTER
Charter #22456 · ROSLYN, NY · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Delinquency 60+ days of 1.90% sits at the 79th percentile of structural peers — worth a closer look.
- On Return on average assets, the asset-size band puts this credit union at the 63rd percentile but its structural peers at the 44th — a 18-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 | THE HEART CENTER | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $20.94M | 38th pct | 33th pct |
| Members | 2,580 | 65th pct | 61th pct |
| Net worth ratio | 15.11% | 61th pct | 61th pct |
| Return on average assets | 0.89% | 63th pct | 44th pct |
| Net interest margin | 3.68% | 42th pct | 30th pct |
| Cost of funds | 0.84% | 50th pct | 52th pct |
| Loan-to-share | 59.10% | 53th pct | 39th pct |
| Delinquency 60+ days | 1.90% | 83th pct | 79th pct |
| Net charge-off ratio | 0.13% | 51th pct | 52th pct |
| Loan growth YoY | -2.90% | 46th pct | 38th pct |
| Share growth YoY | 1.04% | 36th pct | 31th pct |
| Efficiency ratio | 76.36% | 40th pct | 48th pct |
structural peer set hash: a117c9e1c4115cb93e4380147232873e… (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.