INDUSTRIAL
Charter #24026 · Lafayette, IN · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 31,994 ranks in the 87th percentile among structurally similar credit unions — a relative strength.
- Net worth ratio of 8.82% sits at the 7th percentile of structural peers — worth a closer look.
- Return on average assets of 1.18% ranks in the 80th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 4.68% ranks in the 84th percentile among structurally similar credit unions — a relative strength.
- On Net charge-off ratio, the asset-size band puts this credit union at the 53rd percentile but its structural peers at the 30th — a 23-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 | INDUSTRIAL | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $355.61M | 83th pct | 74th pct |
| Members | 31,994 | 95th pct | 87th pct |
| Net worth ratio | 8.82% | 12th pct | 7th pct |
| Return on average assets | 1.18% | 78th pct | 80th pct |
| Net interest margin | 4.68% | 93th pct | 84th pct |
| Cost of funds | 1.36% | 59th pct | 56th pct |
| Loan-to-share | 75.81% | 57th pct | 48th pct |
| Delinquency 60+ days | 0.56% | 46th pct | 33th pct |
| Net charge-off ratio | 0.39% | 53th pct | 30th pct |
| Loan growth YoY | 2.87% | 74th pct | 67th pct |
| Share growth YoY | 6.68% | 85th pct | 72th pct |
| Efficiency ratio | 77.19% | 44th pct | 46th pct |
structural peer set hash: 1a9ecf187da727b76aab25c19da91f11… (reproducible)
Closest structural peers
This is the free public view
Claim INDUSTRIAL
Unlock the full operating picture — scenario modeling, deposit & collections packs, the governed action framework, and an exam-ready evidence binder with every number traced to its basis.
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.