YOGAVILLE
Charter #23974 · Buckingham, VA · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 386 sits at the 18th percentile of structural peers — worth a closer look.
- Net worth ratio of 27.99% ranks in the 80th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 1.90% sits at the 75th percentile of structural peers — worth a closer look.
- On Total assets, the asset-size band puts this credit union at the 55th percentile but its structural peers at the 28th — a 27-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 | YOGAVILLE | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $4.51M | 55th pct | 28th pct |
| Members | 386 | 34th pct | 18th pct |
| Net worth ratio | 27.99% | 82th pct | 80th pct |
| Return on average assets | 0.44% | 50th pct | 33th pct |
| Net interest margin | 3.22% | 25th pct | 33th pct |
| Cost of funds | 1.76% | 84th pct | 74th pct |
| Loan-to-share | 70.48% | 65th pct | 46th pct |
| Delinquency 60+ days | 1.90% | 67th pct | 75th pct |
| Net charge-off ratio | 0.00% | 22th pct | 30th pct |
| Loan growth YoY | -5.56% | 48th pct | 28th pct |
| Share growth YoY | 0.52% | 54th pct | 34th pct |
| Efficiency ratio | 81.06% | 42th pct | 54th pct |
structural peer set hash: dd47a692370b672a47f4561268018c95… (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.