COBALT
Charter #24917 · Papillion, NE · >$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 8.95% sits at the 25th percentile of structural peers — worth a closer look.
- Net interest margin of 4.82% ranks in the 98th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 1.02% sits at the 92nd percentile of structural peers — worth a closer look.
- On Total assets, the asset-size band puts this credit union at the 22nd percentile but its structural peers at the 54th — a 32-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 | COBALT | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $1.33B | 22th pct | 54th pct |
| Members | 117,031 | 48th pct | 72th pct |
| Net worth ratio | 8.95% | 12th pct | 25th pct |
| Return on average assets | 0.74% | 51th pct | 64th pct |
| Net interest margin | 4.82% | 98th pct | 98th pct |
| Cost of funds | 1.92% | 56th pct | 48th pct |
| Loan-to-share | 95.51% | 80th pct | 62th pct |
| Delinquency 60+ days | 0.69% | 56th pct | 49th pct |
| Net charge-off ratio | 1.02% | 84th pct | 92th pct |
| Loan growth YoY | 6.13% | 87th pct | 90th pct |
| Share growth YoY | 1.87% | 17th pct | 25th pct |
| Efficiency ratio | 71.64% | 46th pct | 30th pct |
structural peer set hash: 1bc254c80f7652778cf4e67434a1e5c0… (reproducible)
Closest structural peers
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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.