TRAX
Charter #24703 · Tampa, FL · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 45,113 ranks in the 95th percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 0.31% sits at the 20th percentile of structural peers — worth a closer look.
- Net interest margin of 2.76% sits at the 7th percentile of structural peers — worth a closer look.
- Cost of funds of 1.67% sits at the 85th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 1.41% sits at the 95th 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 | TRAX | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $490.12M | 99th pct | 93th pct |
| Members | 45,113 | 99th pct | 95th pct |
| Net worth ratio | 12.78% | 67th pct | 66th pct |
| Return on average assets | 0.31% | 24th pct | 20th pct |
| Net interest margin | 2.76% | 7th pct | 7th pct |
| Cost of funds | 1.67% | 76th pct | 85th pct |
| Loan-to-share | 49.46% | 12th pct | 30th pct |
| Delinquency 60+ days | 1.41% | 88th pct | 95th pct |
| Net charge-off ratio | 1.79% | 98th pct | 98th pct |
| Loan growth YoY | 1.64% | 63th pct | 66th pct |
| Share growth YoY | -1.70% | 4th pct | 3th pct |
| Efficiency ratio | 81.20% | 59th pct | 59th pct |
structural peer set hash: 3bd2e0a7ebb3648281bf0f89f946d09d… (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.