NATIONAL POLICE
Charter #2876 · CHICAGO, IL · $500M-$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 8.78% sits at the 3rd percentile of structural peers — worth a closer look.
- Net interest margin of 3.08% sits at the 16th percentile of structural peers — worth a closer look.
- Cost of funds of 2.75% sits at the 98th percentile of structural peers — worth a closer look.
- On Total assets, the asset-size band puts this credit union at the 29th percentile but its structural peers at the 59th — a 30-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 | NATIONAL POLICE | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $615.09M | 29th pct | 59th pct |
| Members | 42,349 | 50th pct | 61th pct |
| Net worth ratio | 8.78% | 16th pct | 3th pct |
| Return on average assets | 0.59% | 46th pct | 33th pct |
| Net interest margin | 3.08% | 24th pct | 16th pct |
| Cost of funds | 2.75% | 97th pct | 98th pct |
| Loan-to-share | 57.19% | 9th pct | 28th pct |
| Delinquency 60+ days | 0.67% | 60th pct | 69th pct |
| Net charge-off ratio | 0.50% | 57th pct | 52th pct |
| Loan growth YoY | 4.04% | 84th pct | 95th pct |
| Share growth YoY | 0.63% | 10th pct | 3th pct |
| Efficiency ratio | 78.36% | 50th pct | 56th pct |
structural peer set hash: 12e92ce6de418337c32a4a4d19adb5a7… (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.