EP
Charter #262 · Washington, DC · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 8.52% sits at the 8th percentile of structural peers — worth a closer look.
- On Efficiency ratio, the asset-size band puts this credit union at the 73rd percentile but its structural peers at the 54th — a 19-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 | EP | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $74.55M | 56th pct | 43th pct |
| Members | 4,087 | 30th pct | 36th pct |
| Net worth ratio | 8.52% | 6th pct | 8th pct |
| Return on average assets | 0.48% | 37th pct | 54th pct |
| Net interest margin | 3.60% | 44th pct | 56th pct |
| Cost of funds | 0.58% | 27th pct | 28th pct |
| Loan-to-share | 57.53% | 45th pct | 38th pct |
| Delinquency 60+ days | 1.27% | 80th pct | 72th pct |
| Net charge-off ratio | 0.03% | 23th pct | 28th pct |
| Loan growth YoY | -0.48% | 60th pct | 51th pct |
| Share growth YoY | 1.98% | 40th pct | 39th pct |
| Efficiency ratio | 87.52% | 73th pct | 54th pct |
structural peer set hash: 56a117009ef6c2fce8af67d88e6e50f7… (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.