INTERNAL REVENUE EMPLOYEES
Charter #3685 · GREENSBORO, NC · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 723 sits at the 3rd percentile of structural peers — worth a closer look.
- Net worth ratio of 29.19% ranks in the 90th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 2.62% sits at the 3rd percentile of structural peers — worth a closer look.
- Cost of funds of 2.26% sits at the 98th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 0.00% ranks in the 23rd percentile among structurally similar credit unions — a relative strength.
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 | INTERNAL REVENUE EMPLOYEES | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $12.28M | 10th pct | 16th pct |
| Members | 723 | 1th pct | 3th pct |
| Net worth ratio | 29.19% | 97th pct | 90th pct |
| Return on average assets | 0.37% | 34th pct | 38th pct |
| Net interest margin | 2.62% | 8th pct | 3th pct |
| Cost of funds | 2.26% | 94th pct | 98th pct |
| Loan-to-share | 29.96% | 10th pct | 21th pct |
| Delinquency 60+ days | 0.72% | 56th pct | 51th pct |
| Net charge-off ratio | 0.00% | 23th pct | 23th pct |
| Loan growth YoY | -13.21% | 3th pct | 5th pct |
| Share growth YoY | -2.55% | 10th pct | 8th pct |
| Efficiency ratio | 86.18% | 64th pct | 59th pct |
structural peer set hash: 0628de58ff8b40140c47dee0ed871a1f… (reproducible)
Closest structural peers
This is the free public view
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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.