PROFINANCE
Charter #2711 · Merrillville, IN · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 1,387 sits at the 20th percentile of structural peers — worth a closer look.
- Net worth ratio of 20.18% ranks in the 90th percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 0.22% sits at the 20th percentile of structural peers — worth a closer look.
- Cost of funds of 0.53% ranks in the 21st percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 2.55% sits at the 93rd percentile of structural peers — worth a closer look.
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 | PROFINANCE | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $14.82M | 20th pct | 5th pct |
| Members | 1,387 | 20th pct | 20th pct |
| Net worth ratio | 20.18% | 85th pct | 90th pct |
| Return on average assets | 0.22% | 27th pct | 20th pct |
| Net interest margin | 3.77% | 46th pct | 66th pct |
| Cost of funds | 0.53% | 34th pct | 21th pct |
| Loan-to-share | 55.63% | 48th pct | 52th pct |
| Delinquency 60+ days | 2.55% | 90th pct | 93th pct |
| Net charge-off ratio | -0.04% | 15th pct | 16th pct |
| Loan growth YoY | -6.24% | 22th pct | 13th pct |
| Share growth YoY | 5.98% | 80th pct | 70th pct |
| Efficiency ratio | 95.56% | 84th pct | 82th pct |
structural peer set hash: ebed1d1a42093f082e3ee2334bc4eebf… (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.