ELECTEL COOPERATIVE
Charter #24819 · Raleigh, NC · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of -0.23% sits at the 11th percentile of structural peers — worth a closer look.
- Cost of funds of 1.76% sits at the 87th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 0.22% ranks in the 13th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.07% ranks in the 13th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 94.82% sits at the 85th 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 | ELECTEL COOPERATIVE | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $66.53M | 41th pct | 51th pct |
| Members | 7,381 | 83th pct | 62th pct |
| Net worth ratio | 12.93% | 51th pct | 57th pct |
| Return on average assets | -0.23% | 9th pct | 11th pct |
| Net interest margin | 4.17% | 75th pct | 57th pct |
| Cost of funds | 1.76% | 88th pct | 87th pct |
| Loan-to-share | 71.03% | 70th pct | 64th pct |
| Delinquency 60+ days | 0.22% | 22th pct | 13th pct |
| Net charge-off ratio | 0.07% | 28th pct | 13th pct |
| Loan growth YoY | 0.42% | 68th pct | 72th pct |
| Share growth YoY | 3.72% | 61th pct | 66th pct |
| Efficiency ratio | 94.82% | 89th pct | 85th pct |
structural peer set hash: f23d1ee6f8c44f18d8a9c4a1a6eb7cef… (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.