COMMUNITY LINK
Charter #24770 · HUNTINGTON, IN · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Cost of funds of 2.36% sits at the 98th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 3.09% sits at the 97th percentile of structural peers — worth a closer look.
- Net charge-off ratio of -0.04% ranks in the 7th percentile among structurally similar credit unions — a relative strength.
- On Total assets, the asset-size band puts this credit union at the 78th percentile but its structural peers at the 43rd — a 35-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 | COMMUNITY LINK | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $37.68M | 78th pct | 43th pct |
| Members | 2,629 | 66th pct | 43th pct |
| Net worth ratio | 11.71% | 33th pct | 56th pct |
| Return on average assets | 0.62% | 49th pct | 43th pct |
| Net interest margin | 3.40% | 30th pct | 36th pct |
| Cost of funds | 2.36% | 95th pct | 98th pct |
| Loan-to-share | 64.07% | 61th pct | 46th pct |
| Delinquency 60+ days | 3.09% | 93th pct | 97th pct |
| Net charge-off ratio | -0.04% | 14th pct | 7th pct |
| Loan growth YoY | 2.77% | 86th pct | 75th pct |
| Share growth YoY | 3.80% | 64th pct | 69th pct |
| Efficiency ratio | 77.80% | 43th pct | 34th pct |
structural peer set hash: b3e3d4f25db028950f321a5f4e2fc3b9… (reproducible)
Closest structural peers
This is the free public view
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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.