XPLORE
Charter #23017 · Metairie, LA · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 7,789 sits at the 13th percentile of structural peers — worth a closer look.
- Return on average assets of 0.06% sits at the 15th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 0.32% ranks in the 10th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 90.99% sits at the 80th percentile of structural peers — worth a closer look.
- On Net worth ratio, the asset-size band puts this credit union at the 52nd percentile but its structural peers at the 72nd — a 20-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 | XPLORE | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $151.24M | 31th pct | 23th pct |
| Members | 7,789 | 16th pct | 13th pct |
| Net worth ratio | 11.64% | 52th pct | 72th pct |
| Return on average assets | 0.06% | 10th pct | 15th pct |
| Net interest margin | 3.67% | 51th pct | 34th pct |
| Cost of funds | 1.29% | 55th pct | 54th pct |
| Loan-to-share | 85.31% | 79th pct | 69th pct |
| Delinquency 60+ days | 0.32% | 24th pct | 10th pct |
| Net charge-off ratio | 0.36% | 50th pct | 49th pct |
| Loan growth YoY | -2.53% | 20th pct | 13th pct |
| Share growth YoY | 4.49% | 64th pct | 74th pct |
| Efficiency ratio | 90.99% | 87th pct | 80th pct |
structural peer set hash: fc5615bbb93ce002286280be6cdabe18… (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.