SIGNET
Charter #23949 · Paducah, KY · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 16.72% ranks in the 84th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 3.19% sits at the 13th percentile of structural peers — worth a closer look.
- Cost of funds of 1.80% sits at the 82nd percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 1.07% sits at the 87th percentile of structural peers — worth a closer look.
- Efficiency ratio of 63.99% ranks in the 25th 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 | SIGNET | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $389.61M | 88th pct | 79th pct |
| Members | 20,688 | 79th pct | 54th pct |
| Net worth ratio | 16.72% | 92th pct | 84th pct |
| Return on average assets | 1.19% | 78th pct | 54th pct |
| Net interest margin | 3.19% | 22th pct | 13th pct |
| Cost of funds | 1.80% | 81th pct | 82th pct |
| Loan-to-share | 69.31% | 45th pct | 39th pct |
| Delinquency 60+ days | 1.07% | 79th pct | 87th pct |
| Net charge-off ratio | 0.28% | 41th pct | 36th pct |
| Loan growth YoY | 2.26% | 69th pct | 66th pct |
| Share growth YoY | 6.99% | 87th pct | 80th pct |
| Efficiency ratio | 63.99% | 13th pct | 25th pct |
structural peer set hash: 23be3ad983afce671f1cec5242009524… (reproducible)
Closest structural peers
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Claim SIGNET
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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.