NATIONAL INSTITUTES OF HEALTH
Charter #3601 · Rockville, MD · $500M-$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 8.05% sits at the 11th percentile of structural peers — worth a closer look.
- Net interest margin of 3.59% ranks in the 87th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.77% ranks in the 5th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 0.20% ranks in the 15th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.38% sits at the 75th percentile of structural peers — worth a closer look.
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 | NATIONAL INSTITUTES OF HEALTH | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $825.47M | 74th pct | 56th pct |
| Members | 40,745 | 48th pct | 48th pct |
| Net worth ratio | 8.05% | 7th pct | 11th pct |
| Return on average assets | 0.42% | 30th pct | 43th pct |
| Net interest margin | 3.59% | 57th pct | 87th pct |
| Cost of funds | 0.77% | 17th pct | 5th pct |
| Loan-to-share | 65.45% | 16th pct | 30th pct |
| Delinquency 60+ days | 0.20% | 11th pct | 15th pct |
| Net charge-off ratio | 0.38% | 46th pct | 75th pct |
| Loan growth YoY | -0.25% | 36th pct | 46th pct |
| Share growth YoY | 1.35% | 15th pct | 21th pct |
| Efficiency ratio | 89.13% | 89th pct | 75th pct |
structural peer set hash: d4ad63f6eb27820a187f2a107e47badc… (reproducible)
Closest structural peers
This is the free public view
Claim NATIONAL INSTITUTES OF HEALTH
Unlock the full operating picture — scenario modeling, deposit & collections packs, the governed action framework, and an exam-ready evidence binder with every number traced to its basis.
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.