1897
Charter #23125 · Salisbury, MD · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 779 ranks in the 80th percentile among structurally similar credit unions — a relative strength.
- Net worth ratio of 29.61% ranks in the 85th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 4.38% ranks in the 80th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 0.00% ranks in the 0th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of -2.34% ranks in the 5th percentile among structurally similar credit unions — a relative strength.
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 | 1897 | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $3.56M | 46th pct | 57th pct |
| Members | 779 | 68th pct | 80th pct |
| Net worth ratio | 29.61% | 85th pct | 85th pct |
| Return on average assets | 0.60% | 57th pct | 49th pct |
| Net interest margin | 4.38% | 60th pct | 80th pct |
| Cost of funds | 0.28% | 37th pct | 46th pct |
| Loan-to-share | 15.44% | 8th pct | 33th pct |
| Delinquency 60+ days | 0.00% | 0th pct | 0th pct |
| Net charge-off ratio | -2.34% | 2th pct | 5th pct |
| Loan growth YoY | -22.82% | 5th pct | 18th pct |
| Share growth YoY | -12.93% | 5th pct | 8th pct |
| Efficiency ratio | 86.51% | 51th pct | 51th pct |
structural peer set hash: 253c64e83eb54cb6cf147787447dd0a1… (reproducible)
Closest structural peers
This is the free public view
Claim 1897
Unlock the full operating picture — scenario modeling, deposit & collections packs, the governed action framework, and an exam-ready evidence binder with every number traced to its basis.
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.