VULCRAFT EMPLOYEES
Charter #23287 · ST JOE, IN · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Net interest margin of 3.75% sits at the 23rd percentile of structural peers — worth a closer look.
- Net charge-off ratio of 0.00% ranks in the 25th percentile among structurally similar credit unions — a relative strength.
- On Members, the asset-size band puts this credit union at the 64th percentile but its structural peers at the 30th — a 35-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 | VULCRAFT EMPLOYEES | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $6.47M | 75th pct | 49th pct |
| Members | 734 | 64th pct | 30th pct |
| Net worth ratio | 13.45% | 29th pct | 54th pct |
| Return on average assets | 0.67% | 60th pct | 43th pct |
| Net interest margin | 3.75% | 41th pct | 23th pct |
| Cost of funds | 1.77% | 85th pct | 66th pct |
| Loan-to-share | 91.58% | 88th pct | 82th pct |
| Delinquency 60+ days | 1.22% | 56th pct | 61th pct |
| Net charge-off ratio | 0.00% | 22th pct | 25th pct |
| Loan growth YoY | 5.22% | 88th pct | 87th pct |
| Share growth YoY | 4.18% | 77th pct | 59th pct |
| Efficiency ratio | 82.27% | 44th pct | 57th pct |
structural peer set hash: d3ebaf8d739333964e3fb74e715c9ab1… (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.