FOUNDERS
Charter #24063 · Lancaster, SC · >$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 13.28% ranks in the 85th percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 1.30% ranks in the 85th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 4.29% ranks in the 95th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 1.20% sits at the 89th percentile of structural peers — worth a closer look.
- Efficiency ratio of 60.41% ranks in the 8th 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 | FOUNDERS | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $5.18B | 83th pct | 66th pct |
| Members | 290,408 | 83th pct | 66th pct |
| Net worth ratio | 13.28% | 85th pct | 85th pct |
| Return on average assets | 1.30% | 85th pct | 85th pct |
| Net interest margin | 4.29% | 95th pct | 95th pct |
| Cost of funds | 2.20% | 72th pct | 69th pct |
| Loan-to-share | 92.12% | 69th pct | 61th pct |
| Delinquency 60+ days | 0.70% | 58th pct | 48th pct |
| Net charge-off ratio | 1.20% | 92th pct | 89th pct |
| Loan growth YoY | 2.46% | 60th pct | 62th pct |
| Share growth YoY | 4.26% | 55th pct | 59th pct |
| Efficiency ratio | 60.41% | 12th pct | 8th pct |
structural peer set hash: a8dbe26484f708b389b1b505927b2351… (reproducible)
Closest structural peers
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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.