TAMPA BAY
Charter #352 · Tampa, FL · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 37,133 ranks in the 77th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 1.75% sits at the 75th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 1.68% sits at the 95th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 1.03% sits at the 80th percentile of structural peers — worth a closer look.
- On Total assets, the asset-size band puts this credit union at the 99th percentile but its structural peers at the 74th — a 26-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 | TAMPA BAY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $492.99M | 99th pct | 74th pct |
| Members | 37,133 | 98th pct | 77th pct |
| Net worth ratio | 10.49% | 34th pct | 43th pct |
| Return on average assets | 0.38% | 28th pct | 30th pct |
| Net interest margin | 3.82% | 61th pct | 52th pct |
| Cost of funds | 1.75% | 79th pct | 75th pct |
| Loan-to-share | 91.02% | 90th pct | 85th pct |
| Delinquency 60+ days | 1.68% | 92th pct | 95th pct |
| Net charge-off ratio | 1.03% | 89th pct | 80th pct |
| Loan growth YoY | 2.45% | 71th pct | 56th pct |
| Share growth YoY | 1.19% | 19th pct | 15th pct |
| Efficiency ratio | 77.18% | 44th pct | 34th pct |
structural peer set hash: 7a138af44cd263cb38b9162dfd38f3cb… (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.