F R B
Charter #320 · Washington, DC · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 5,709 sits at the 15th percentile of structural peers — worth a closer look.
- Net interest margin of 2.97% sits at the 13th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 0.08% ranks in the 23rd percentile among structurally similar credit unions — a relative strength.
- On Net worth ratio, the asset-size band puts this credit union at the 18th percentile but its structural peers at the 41st — a 23-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 | F R B | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $124.20M | 15th pct | 21th pct |
| Members | 5,709 | 5th pct | 15th pct |
| Net worth ratio | 9.30% | 18th pct | 41th pct |
| Return on average assets | 0.23% | 18th pct | 38th pct |
| Net interest margin | 2.97% | 14th pct | 13th pct |
| Cost of funds | 0.91% | 34th pct | 26th pct |
| Loan-to-share | 72.66% | 51th pct | 41th pct |
| Delinquency 60+ days | 1.03% | 77th pct | 66th pct |
| Net charge-off ratio | 0.08% | 15th pct | 23th pct |
| Loan growth YoY | -2.39% | 22th pct | 26th pct |
| Share growth YoY | 3.20% | 46th pct | 69th pct |
| Efficiency ratio | 89.43% | 84th pct | 62th pct |
structural peer set hash: af262075ce9e77e3576c5ecd25bbd4ab… (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.