SOUND
Charter #24705 · Norwalk, CT · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 8,361 sits at the 20th percentile of structural peers — worth a closer look.
- Net worth ratio of 6.80% sits at the 3rd percentile of structural peers — worth a closer look.
- Return on average assets of -0.08% sits at the 15th percentile of structural peers — worth a closer look.
- Net interest margin of 4.28% ranks in the 77th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 0.46% ranks in the 18th percentile among structurally similar credit unions — a relative strength.
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 | SOUND | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $116.10M | 11th pct | 13th pct |
| Members | 8,361 | 21th pct | 20th pct |
| Net worth ratio | 6.80% | 1th pct | 3th pct |
| Return on average assets | -0.08% | 7th pct | 15th pct |
| Net interest margin | 4.28% | 84th pct | 77th pct |
| Cost of funds | 1.41% | 62th pct | 59th pct |
| Loan-to-share | 84.24% | 78th pct | 66th pct |
| Delinquency 60+ days | 0.46% | 38th pct | 18th pct |
| Net charge-off ratio | 0.30% | 44th pct | 41th pct |
| Loan growth YoY | -4.25% | 9th pct | 7th pct |
| Share growth YoY | -0.91% | 6th pct | 13th pct |
| Efficiency ratio | 100.40% | 97th pct | 92th pct |
structural peer set hash: f7ac47c067d976d3b845372ab4d80ec3… (reproducible)
Closest structural peers
This is the free public view
Claim SOUND
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.