WELCOME
Charter #24807 · MORRISVILLE, NC · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 6,330 ranks in the 85th percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 0.20% sits at the 13th percentile of structural peers — worth a closer look.
- Net interest margin of 3.92% ranks in the 79th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 93.86% sits at the 87th percentile of structural peers — worth a closer look.
- On Net charge-off ratio, the asset-size band puts this credit union at the 41st percentile but its structural peers at the 59th — a 18-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 | WELCOME | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $93.78M | 91th pct | 77th pct |
| Members | 6,330 | 71th pct | 85th pct |
| Net worth ratio | 12.73% | 49th pct | 59th pct |
| Return on average assets | 0.20% | 21th pct | 13th pct |
| Net interest margin | 3.92% | 62th pct | 79th pct |
| Cost of funds | 1.07% | 59th pct | 64th pct |
| Loan-to-share | 54.77% | 40th pct | 44th pct |
| Delinquency 60+ days | 0.97% | 71th pct | 74th pct |
| Net charge-off ratio | 0.17% | 41th pct | 59th pct |
| Loan growth YoY | -4.90% | 19th pct | 15th pct |
| Share growth YoY | 4.64% | 71th pct | 77th pct |
| Efficiency ratio | 93.86% | 88th pct | 87th pct |
structural peer set hash: a353ce699691a5388ae08e1cd0f3753a… (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.