HANCOCK
Charter #2815 · Findlay, OH · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 8.73% sits at the 23rd percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 0.48% ranks in the 23rd percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.02% ranks in the 7th percentile among structurally similar credit unions — a relative strength.
- On Delinquency 60+ days, the asset-size band puts this credit union at the 40th percentile but its structural peers at the 23rd — a 17-point gap showing why the peer definition matters.
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 | HANCOCK | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $118.00M | 13th pct | 21th pct |
| Members | 9,067 | 25th pct | 36th pct |
| Net worth ratio | 8.73% | 11th pct | 23th pct |
| Return on average assets | 0.42% | 30th pct | 33th pct |
| Net interest margin | 3.80% | 59th pct | 54th pct |
| Cost of funds | 1.62% | 73th pct | 67th pct |
| Loan-to-share | 78.59% | 65th pct | 56th pct |
| Delinquency 60+ days | 0.48% | 40th pct | 23th pct |
| Net charge-off ratio | 0.02% | 8th pct | 7th pct |
| Loan growth YoY | 2.20% | 68th pct | 61th pct |
| Share growth YoY | 5.48% | 76th pct | 75th pct |
| Efficiency ratio | 89.02% | 83th pct | 72th pct |
structural peer set hash: f4730b86ec317e63bcaf319e0f6aedf3… (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.