INDEPENDENT
Charter #24171 · Anderson, IN · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of -0.23% sits at the 2nd percentile of structural peers — worth a closer look.
- Net interest margin of 4.41% ranks in the 87th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.35% ranks in the 10th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 3.17% sits at the 98th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 1.51% sits at the 92nd 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 | INDEPENDENT | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $93.79M | 91th pct | 62th pct |
| Members | 6,123 | 67th pct | 39th pct |
| Net worth ratio | 10.67% | 27th pct | 38th pct |
| Return on average assets | -0.23% | 9th pct | 2th pct |
| Net interest margin | 4.41% | 85th pct | 87th pct |
| Cost of funds | 0.35% | 16th pct | 10th pct |
| Loan-to-share | 68.16% | 63th pct | 46th pct |
| Delinquency 60+ days | 3.17% | 98th pct | 98th pct |
| Net charge-off ratio | 1.51% | 95th pct | 92th pct |
| Loan growth YoY | -2.41% | 40th pct | 23th pct |
| Share growth YoY | 6.06% | 82th pct | 80th pct |
| Efficiency ratio | 72.59% | 31th pct | 34th pct |
structural peer set hash: 22771561b0f438523853280e727ec3c2… (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.