PRESIDENTS
Charter #24530 · CLEVES, OH · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 1,139 sits at the 2nd percentile of structural peers — worth a closer look.
- Net interest margin of 4.72% ranks in the 87th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.11% ranks in the 7th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of -0.09% ranks in the 10th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 92.83% sits at the 75th 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 | PRESIDENTS | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $14.79M | 20th pct | 11th pct |
| Members | 1,139 | 9th pct | 2th pct |
| Net worth ratio | 14.01% | 53th pct | 54th pct |
| Return on average assets | 0.42% | 37th pct | 43th pct |
| Net interest margin | 4.72% | 85th pct | 87th pct |
| Cost of funds | 0.11% | 7th pct | 7th pct |
| Loan-to-share | 41.77% | 23th pct | 38th pct |
| Delinquency 60+ days | 0.39% | 40th pct | 34th pct |
| Net charge-off ratio | -0.09% | 10th pct | 10th pct |
| Loan growth YoY | 13.01% | 99th pct | 97th pct |
| Share growth YoY | 4.05% | 66th pct | 74th pct |
| Efficiency ratio | 92.83% | 78th pct | 75th pct |
structural peer set hash: cf053b219eca007d60529ce4e99989fe… (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.