OXFORD
Charter #2645 · MEXICO, ME · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 15.80% ranks in the 87th percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 1.82% ranks in the 95th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 3.46% sits at the 23rd percentile of structural peers — worth a closer look.
- Cost of funds of 1.93% sits at the 93rd percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 0.36% ranks in the 18th 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 | OXFORD | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $370.23M | 85th pct | 75th pct |
| Members | 20,296 | 78th pct | 46th pct |
| Net worth ratio | 15.80% | 88th pct | 87th pct |
| Return on average assets | 1.82% | 94th pct | 95th pct |
| Net interest margin | 3.46% | 37th pct | 23th pct |
| Cost of funds | 1.93% | 86th pct | 93th pct |
| Loan-to-share | 72.03% | 50th pct | 44th pct |
| Delinquency 60+ days | 0.36% | 27th pct | 18th pct |
| Net charge-off ratio | 0.20% | 31th pct | 21th pct |
| Loan growth YoY | 1.39% | 60th pct | 57th pct |
| Share growth YoY | 3.55% | 52th pct | 52th pct |
| Efficiency ratio | 66.19% | 17th pct | 10th pct |
structural peer set hash: fba7fe259501d9cea8c1397a593164d9… (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.