STEPPING STONES COMMUNITY
Charter #24845 · Wilmington, DE · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 2,722 ranks in the 85th percentile among structurally similar credit unions — a relative strength.
- Net worth ratio of 46.45% ranks in the 84th percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 21.04% ranks in the 98th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 12.39% sits at the 95th percentile of structural peers — worth a closer look.
- Net charge-off ratio of -0.39% ranks in the 13th 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 | STEPPING STONES COMMUNITY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $8.51M | 90th pct | 62th pct |
| Members | 2,722 | 99th pct | 85th pct |
| Net worth ratio | 46.45% | 97th pct | 84th pct |
| Return on average assets | 21.04% | 100th pct | 98th pct |
| Net interest margin | 3.59% | 36th pct | 49th pct |
| Cost of funds | 0.36% | 42th pct | 33th pct |
| Loan-to-share | 32.53% | 21th pct | 26th pct |
| Delinquency 60+ days | 12.39% | 97th pct | 95th pct |
| Net charge-off ratio | -0.39% | 8th pct | 13th pct |
| Loan growth YoY | 72.57% | 99th pct | 97th pct |
| Share growth YoY | 20.44% | 98th pct | 97th pct |
| Efficiency ratio | 27.87% | 3th pct | 3th pct |
structural peer set hash: a098d32e31a53055e85caf8aebd2cdd1… (reproducible)
Closest structural peers
This is the free public view
Claim STEPPING STONES COMMUNITY
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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.