UP
Charter #24422 · North Little Ro, AR · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Net interest margin of 3.47% sits at the 21st percentile of structural peers — worth a closer look.
- Cost of funds of 1.53% sits at the 84th percentile of structural peers — worth a closer look.
- On Members, the asset-size band puts this credit union at the 70th percentile but its structural peers at the 43rd — a 28-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 | UP | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $32.80M | 68th pct | 49th pct |
| Members | 2,801 | 70th pct | 43th pct |
| Net worth ratio | 22.02% | 90th pct | 74th pct |
| Return on average assets | 0.58% | 46th pct | 26th pct |
| Net interest margin | 3.47% | 33th pct | 21th pct |
| Cost of funds | 1.53% | 79th pct | 84th pct |
| Loan-to-share | 56.94% | 50th pct | 44th pct |
| Delinquency 60+ days | 0.95% | 66th pct | 69th pct |
| Net charge-off ratio | 0.21% | 57th pct | 54th pct |
| Loan growth YoY | -4.17% | 37th pct | 44th pct |
| Share growth YoY | -0.60% | 22th pct | 21th pct |
| Efficiency ratio | 84.01% | 59th pct | 72th pct |
structural peer set hash: fbea62fa7950db6ec1d192de98ff89bc… (reproducible)
Closest structural peers
This is the free public view
Claim UP
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.