SERVICE
Charter #24921 · PORTSMOUTH, NH · >$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 383,839 ranks in the 87th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 3.71% ranks in the 80th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 2.68% sits at the 98th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 0.76% sits at the 75th percentile of structural peers — worth a closer look.
- On Loan-to-share, the asset-size band puts this credit union at the 71st percentile but its structural peers at the 49th — a 21-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 | SERVICE | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $6.63B | 88th pct | 84th pct |
| Members | 383,839 | 89th pct | 87th pct |
| Net worth ratio | 11.77% | 68th pct | 70th pct |
| Return on average assets | 0.95% | 69th pct | 52th pct |
| Net interest margin | 3.71% | 75th pct | 80th pct |
| Cost of funds | 1.94% | 58th pct | 39th pct |
| Loan-to-share | 92.55% | 71th pct | 49th pct |
| Delinquency 60+ days | 2.68% | 99th pct | 98th pct |
| Net charge-off ratio | 0.76% | 72th pct | 75th pct |
| Loan growth YoY | 0.28% | 31th pct | 18th pct |
| Share growth YoY | 5.53% | 70th pct | 62th pct |
| Efficiency ratio | 62.58% | 18th pct | 26th pct |
structural peer set hash: 96c627720bbf588e8af1b9e698c2806c… (reproducible)
Closest structural peers
This is the free public view
Claim SERVICE
Unlock the full operating picture — scenario modeling, deposit & collections packs, the governed action framework, and an exam-ready evidence binder with every number traced to its basis.
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.