REGIONAL MEMBERS
Charter #376 · COLUMBUS, GA · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of -2.08% sits at the 7th percentile of structural peers — worth a closer look.
- Net interest margin of 4.60% ranks in the 79th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 2.23% sits at the 87th percentile of structural peers — worth a closer look.
- On Members, the asset-size band puts this credit union at the 90th percentile but its structural peers at the 59th — a 31-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 | REGIONAL MEMBERS | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $9.39M | 97th pct | 67th pct |
| Members | 1,240 | 90th pct | 59th pct |
| Net worth ratio | 13.31% | 28th pct | 38th pct |
| Return on average assets | -2.08% | 10th pct | 7th pct |
| Net interest margin | 4.60% | 67th pct | 79th pct |
| Cost of funds | 2.23% | 92th pct | 87th pct |
| Loan-to-share | 66.63% | 60th pct | 59th pct |
| Delinquency 60+ days | 1.60% | 63th pct | 70th pct |
| Net charge-off ratio | 0.23% | 77th pct | 70th pct |
| Loan growth YoY | -10.71% | 25th pct | 3th pct |
| Share growth YoY | 4.99% | 80th pct | 79th pct |
| Efficiency ratio | 85.66% | 49th pct | 56th pct |
structural peer set hash: f871fa2ceeee621f739e2f8aa6db31a7… (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.