Innorve

NEW HEIGHTS

Charter #24763 · Logan, UT · $10M-$50M

Public 5300 data · as of 2026Q1

What the numbers say

  • Net interest margin of 2.94% sits at the 7th percentile of structural peers — worth a closer look.
  • Delinquency 60+ days of 0.14% ranks in the 13th percentile among structurally similar credit unions — a relative strength.
  • Net charge-off ratio of 0.77% sits at the 82nd percentile of structural peers — worth a closer look.
  • On Members, the asset-size band puts this credit union at the 53rd percentile but its structural peers at the 38th — a 15-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.

MetricNEW HEIGHTSAsset-tier percentileStructural percentile
Total assets$28.21M57th pct48th pct
Members2,17353th pct38th pct
Net worth ratio14.57%57th pct66th pct
Return on average assets0.46%39th pct38th pct
Net interest margin2.94%15th pct7th pct
Cost of funds1.05%61th pct59th pct
Loan-to-share48.37%34th pct28th pct
Delinquency 60+ days0.14%25th pct13th pct
Net charge-off ratio0.77%80th pct82th pct
Loan growth YoY-7.75%14th pct13th pct
Share growth YoY-4.42%4th pct5th pct
Efficiency ratio71.83%30th pct34th pct

structural peer set hash: 7e0052f18ca931cf0e612fc0c91d2a63… (reproducible)

Closest structural peers

LOGAN MEDICAL69.1%
#14571 · UT
PALACE CITY61.5%
#13103 · SD
FEDERAL EMPLOYEES60.9%
#62599 · AL
STEWART'S59.5%
#24036 · NY
RIM COUNTRY58.9%
#16190 · AZ
AZALEA CITY58.7%
#68224 · AL
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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.