THRIVE
Charter #3631 · MUNCIE, IN · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 8,323 sits at the 23rd percentile of structural peers — worth a closer look.
- Cost of funds of 1.59% sits at the 80th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 1.27% sits at the 85th 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 | THRIVE | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $113.35M | 9th pct | 18th pct |
| Members | 8,323 | 20th pct | 23th pct |
| Net worth ratio | 11.44% | 50th pct | 57th pct |
| Return on average assets | 0.66% | 46th pct | 38th pct |
| Net interest margin | 3.76% | 57th pct | 51th pct |
| Cost of funds | 1.59% | 72th pct | 80th pct |
| Loan-to-share | 72.10% | 51th pct | 43th pct |
| Delinquency 60+ days | 1.27% | 85th pct | 85th pct |
| Net charge-off ratio | 0.32% | 46th pct | 52th pct |
| Loan growth YoY | 4.26% | 83th pct | 82th pct |
| Share growth YoY | 6.28% | 83th pct | 80th pct |
| Efficiency ratio | 84.87% | 71th pct | 74th pct |
structural peer set hash: 7ad846bf925307da73ef8ea7ea0ce7b2… (reproducible)
Closest structural peers
This is the free public view
Claim THRIVE
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.