THEORY
Charter #24545 · PAINESVILLE, OH · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 8.36% sits at the 5th percentile of structural peers — worth a closer look.
- Net interest margin of 4.29% ranks in the 82nd percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.78% sits at the 79th percentile of structural peers — worth a closer look.
- On Total assets, the asset-size band puts this credit union at the 80th percentile but its structural peers at the 38th — a 42-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 | THEORY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $39.04M | 80th pct | 38th pct |
| Members | 3,515 | 85th pct | 52th pct |
| Net worth ratio | 8.36% | 7th pct | 5th pct |
| Return on average assets | 0.11% | 22th pct | 30th pct |
| Net interest margin | 4.29% | 71th pct | 82th pct |
| Cost of funds | 0.44% | 29th pct | 28th pct |
| Loan-to-share | 51.79% | 41th pct | 51th pct |
| Delinquency 60+ days | 0.78% | 60th pct | 61th pct |
| Net charge-off ratio | 0.78% | 80th pct | 79th pct |
| Loan growth YoY | -0.41% | 67th pct | 66th pct |
| Share growth YoY | 5.46% | 77th pct | 85th pct |
| Efficiency ratio | 85.09% | 62th pct | 52th pct |
structural peer set hash: ca0f23d170c27313fe61e6e4b44930e0… (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.