LIGHTHOUSE
Charter #24964 · Dover, NH · >$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 1.32% ranks in the 79th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 4.06% ranks in the 79th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 1.45% ranks in the 23rd percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 0.35% 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 | LIGHTHOUSE | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $2.08B | 47th pct | 49th pct |
| Members | 168,543 | 66th pct | 72th pct |
| Net worth ratio | 10.76% | 51th pct | 59th pct |
| Return on average assets | 1.32% | 86th pct | 79th pct |
| Net interest margin | 4.06% | 89th pct | 79th pct |
| Cost of funds | 1.45% | 35th pct | 23th pct |
| Loan-to-share | 98.92% | 87th pct | 77th pct |
| Delinquency 60+ days | 0.35% | 20th pct | 13th pct |
| Net charge-off ratio | 0.61% | 58th pct | 59th pct |
| Loan growth YoY | 3.91% | 73th pct | 68th pct |
| Share growth YoY | 9.60% | 92th pct | 92th pct |
| Efficiency ratio | 69.77% | 40th pct | 38th pct |
structural peer set hash: 68fc23378ee7d0e0130c65430da0068a… (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.