TRINITY U.C.C.
Charter #23245 · Chicago, IL · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Net interest margin of 2.39% sits at the 25th percentile of structural peers — worth a closer look.
- Cost of funds of 1.43% sits at the 82nd percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 0.00% ranks in the 0th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.00% ranks in the 22nd percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 54.01% ranks in the 20th 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 | TRINITY U.C.C. | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $4.13M | 51th pct | 61th pct |
| Members | 669 | 57th pct | 69th pct |
| Net worth ratio | 16.36% | 45th pct | 51th pct |
| Return on average assets | 1.10% | 75th pct | 61th pct |
| Net interest margin | 2.39% | 11th pct | 25th pct |
| Cost of funds | 1.43% | 77th pct | 82th pct |
| Loan-to-share | 1.49% | 2th pct | 5th pct |
| Delinquency 60+ days | 0.00% | 0th pct | 0th pct |
| Net charge-off ratio | 0.00% | 22th pct | 22th pct |
| Loan growth YoY | -25.56% | 3th pct | 14th pct |
| Share growth YoY | 9.79% | 93th pct | 89th pct |
| Efficiency ratio | 54.01% | 11th pct | 20th pct |
structural peer set hash: cd271ab399b4832d7b7004bd4052a97f… (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.