Innorve

ACME

Charter #3447 · EASTLAKE, OH · $10M-$50M

Public 5300 data · as of 2026Q1

What the numbers say

  • Members of 1,521 sits at the 23rd percentile of structural peers — worth a closer look.
  • Net worth ratio of 21.53% ranks in the 93rd percentile among structurally similar credit unions — a relative strength.
  • Net charge-off ratio of -0.33% ranks in the 5th percentile among structurally similar credit unions — a relative strength.
  • On Loan-to-share, the asset-size band puts this credit union at the 28th percentile but its structural peers at the 48th — a 20-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.

MetricACMEAsset-tier percentileStructural percentile
Total assets$13.16M14th pct18th pct
Members1,52125th pct23th pct
Net worth ratio21.53%89th pct93th pct
Return on average assets0.20%26th pct28th pct
Net interest margin3.65%40th pct38th pct
Cost of funds0.96%56th pct69th pct
Loan-to-share44.97%28th pct48th pct
Delinquency 60+ days0.41%42th pct30th pct
Net charge-off ratio-0.33%3th pct5th pct
Loan growth YoY0.19%72th pct75th pct
Share growth YoY-3.28%7th pct7th pct
Efficiency ratio92.54%78th pct74th pct

structural peer set hash: 1413667e3aa91be0ad3327ec9934ad61… (reproducible)

Closest structural peers

PRESIDENTS66.1%
#24530 · OH
TOLEDO FIRE FIGHTERS63.5%
#3748 · OH
PRIORITY PLUS62.6%
#663 · DE
GHA62.4%
#21774 · CT
PORT CONNEAUT62.1%
#12351 · OH
SOCIAL SECURITY61.7%
#61391 · AL
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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.