OHIO VALLEY COMMUNITY
Charter #24909 · Clarington, OH · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 1.35% ranks in the 79th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 4.30% ranks in the 85th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 0.93% sits at the 77th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 0.81% sits at the 77th percentile of structural peers — worth a closer look.
- Efficiency ratio of 66.89% ranks in the 25th 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 | OHIO VALLEY COMMUNITY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $243.49M | 62th pct | 62th pct |
| Members | 15,556 | 61th pct | 46th pct |
| Net worth ratio | 13.06% | 70th pct | 74th pct |
| Return on average assets | 1.35% | 85th pct | 79th pct |
| Net interest margin | 4.30% | 85th pct | 85th pct |
| Cost of funds | 1.55% | 69th pct | 57th pct |
| Loan-to-share | 78.49% | 64th pct | 54th pct |
| Delinquency 60+ days | 0.93% | 73th pct | 77th pct |
| Net charge-off ratio | 0.81% | 84th pct | 77th pct |
| Loan growth YoY | 1.91% | 65th pct | 51th pct |
| Share growth YoY | 3.23% | 46th pct | 33th pct |
| Efficiency ratio | 66.89% | 19th pct | 25th pct |
structural peer set hash: 04ccfebf774d129d0e87eddaa90756be… (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.