CME
Charter #294 · COLUMBUS, OH · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 38,762 ranks in the 90th percentile among structurally similar credit unions — a relative strength.
- Net worth ratio of 8.34% sits at the 7th percentile of structural peers — worth a closer look.
- On Efficiency ratio, the asset-size band puts this credit union at the 47th percentile but its structural peers at the 28th — a 19-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 | CME | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $485.80M | 99th pct | 82th pct |
| Members | 38,762 | 99th pct | 90th pct |
| Net worth ratio | 8.34% | 6th pct | 7th pct |
| Return on average assets | 0.65% | 46th pct | 62th pct |
| Net interest margin | 3.90% | 67th pct | 62th pct |
| Cost of funds | 1.55% | 69th pct | 69th pct |
| Loan-to-share | 81.82% | 73th pct | 66th pct |
| Delinquency 60+ days | 0.73% | 60th pct | 52th pct |
| Net charge-off ratio | 0.74% | 81th pct | 74th pct |
| Loan growth YoY | 0.01% | 48th pct | 36th pct |
| Share growth YoY | 4.40% | 63th pct | 62th pct |
| Efficiency ratio | 77.88% | 47th pct | 28th pct |
structural peer set hash: 913b40f7f4145f2ea1b8c3a0e3af6de2… (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.