VITELCO EMPLOYEES
Charter #23294 · Charlotte Amali, VI · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 5.28% sits at the 3rd percentile of structural peers — worth a closer look.
- Return on average assets of -6.97% sits at the 2nd percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 5.54% sits at the 77th percentile of structural peers — worth a closer look.
- Net charge-off ratio of -4.43% ranks in the 2nd percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 300.13% sits at the 98th percentile of structural peers — worth a closer look.
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 | VITELCO EMPLOYEES | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $1.59M | 25th pct | 54th pct |
| Members | 332 | 27th pct | 49th pct |
| Net worth ratio | 5.28% | 2th pct | 3th pct |
| Return on average assets | -6.97% | 3th pct | 2th pct |
| Net interest margin | 3.10% | 23th pct | 36th pct |
| Cost of funds | 0.21% | 30th pct | 57th pct |
| Loan-to-share | 25.32% | 15th pct | 62th pct |
| Delinquency 60+ days | 5.54% | 88th pct | 77th pct |
| Net charge-off ratio | -4.43% | 1th pct | 2th pct |
| Loan growth YoY | -0.64% | 71th pct | 77th pct |
| Share growth YoY | -9.67% | 7th pct | 16th pct |
| Efficiency ratio | 300.13% | 99th pct | 98th pct |
structural peer set hash: 69362660ca9df31244a5edda8a2ae8e1… (reproducible)
Closest structural peers
This is the free public view
Claim VITELCO EMPLOYEES
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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.