ST. COLMAN & AFFILIATES
Charter #3462 · Cleveland, OH · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 2,849 ranks in the 95th percentile among structurally similar credit unions — a relative strength.
- Net worth ratio of 8.70% sits at the 16th percentile of structural peers — worth a closer look.
- Net interest margin of 5.99% ranks in the 92nd percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.45% ranks in the 25th percentile among structurally similar credit unions — a relative strength.
- On Total assets, the asset-size band puts this credit union at the 83rd percentile but its structural peers at the 56th — a 27-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 | ST. COLMAN & AFFILIATES | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $7.49M | 83th pct | 56th pct |
| Members | 2,849 | 99th pct | 95th pct |
| Net worth ratio | 8.70% | 8th pct | 16th pct |
| Return on average assets | 0.51% | 54th pct | 57th pct |
| Net interest margin | 5.99% | 90th pct | 92th pct |
| Cost of funds | 0.45% | 47th pct | 25th pct |
| Loan-to-share | 76.24% | 72th pct | 51th pct |
| Delinquency 60+ days | 0.63% | 45th pct | 48th pct |
| Net charge-off ratio | 0.37% | 79th pct | 57th pct |
| Loan growth YoY | -2.16% | 64th pct | 48th pct |
| Share growth YoY | -4.02% | 22th pct | 11th pct |
| Efficiency ratio | 77.54% | 35th pct | 28th pct |
structural peer set hash: 9966704af0da9d0af8c8b1a96b360020… (reproducible)
Closest structural peers
This is the free public view
Claim ST. COLMAN & AFFILIATES
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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.