LIBRARY OF CONGRESS
Charter #266 · Washington, DC · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 9,983 sits at the 21st percentile of structural peers — worth a closer look.
- Net worth ratio of 16.25% ranks in the 92nd percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 2.84% sits at the 8th percentile of structural peers — worth a closer look.
- Cost of funds of 1.88% sits at the 93rd percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 0.37% ranks in the 25th 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 | LIBRARY OF CONGRESS | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $341.78M | 80th pct | 66th pct |
| Members | 9,983 | 32th pct | 21th pct |
| Net worth ratio | 16.25% | 90th pct | 92th pct |
| Return on average assets | 0.72% | 52th pct | 48th pct |
| Net interest margin | 2.84% | 9th pct | 8th pct |
| Cost of funds | 1.88% | 84th pct | 93th pct |
| Loan-to-share | 65.87% | 38th pct | 41th pct |
| Delinquency 60+ days | 0.37% | 28th pct | 25th pct |
| Net charge-off ratio | 0.37% | 51th pct | 62th pct |
| Loan growth YoY | -2.24% | 23th pct | 28th pct |
| Share growth YoY | 0.39% | 12th pct | 11th pct |
| Efficiency ratio | 68.17% | 21th pct | 15th pct |
structural peer set hash: 458fecaea0566a1c1ffe87de4419b7f7… (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.