INROADS
Charter #2730 · Saint Helens, OR · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 8.32% sits at the 16th percentile of structural peers — worth a closer look.
- Return on average assets of -0.60% sits at the 3rd percentile of structural peers — worth a closer look.
- Cost of funds of 1.09% ranks in the 21st percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 1.10% sits at the 80th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 0.97% sits at the 95th 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 | INROADS | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $334.79M | 79th pct | 66th pct |
| Members | 15,962 | 63th pct | 62th pct |
| Net worth ratio | 8.32% | 5th pct | 16th pct |
| Return on average assets | -0.60% | 2th pct | 3th pct |
| Net interest margin | 3.74% | 56th pct | 70th pct |
| Cost of funds | 1.09% | 44th pct | 21th pct |
| Loan-to-share | 81.58% | 72th pct | 56th pct |
| Delinquency 60+ days | 1.10% | 80th pct | 80th pct |
| Net charge-off ratio | 0.97% | 88th pct | 95th pct |
| Loan growth YoY | -1.63% | 29th pct | 26th pct |
| Share growth YoY | 2.43% | 34th pct | 56th pct |
| Efficiency ratio | 93.77% | 92th pct | 85th pct |
structural peer set hash: 6f992d16bca49694bb35332cce5903ae… (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.