JOVIA FINANCIAL
Charter #2760 · WESTBURY, NY · >$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Cost of funds of 2.34% sits at the 77th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 1.23% sits at the 85th percentile of structural peers — worth a closer look.
- Efficiency ratio of 65.76% ranks in the 20th 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 | JOVIA FINANCIAL | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $4.54B | 78th pct | 72th pct |
| Members | 232,894 | 77th pct | 70th pct |
| Net worth ratio | 9.66% | 25th pct | 28th pct |
| Return on average assets | 0.74% | 52th pct | 49th pct |
| Net interest margin | 3.01% | 27th pct | 34th pct |
| Cost of funds | 2.34% | 81th pct | 77th pct |
| Loan-to-share | 87.87% | 55th pct | 51th pct |
| Delinquency 60+ days | 1.23% | 88th pct | 85th pct |
| Net charge-off ratio | 0.64% | 61th pct | 74th pct |
| Loan growth YoY | -0.38% | 21th pct | 30th pct |
| Share growth YoY | 2.93% | 29th pct | 38th pct |
| Efficiency ratio | 65.76% | 25th pct | 20th pct |
structural peer set hash: a2d3fe94e688812eb79492f6651b100b… (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.