ON THE GRID FINANCIAL
Charter #383 · Atlanta, GA · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 3,930 ranks in the 75th percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 0.03% sits at the 13th percentile of structural peers — worth a closer look.
- Net interest margin of 2.98% sits at the 8th percentile of structural peers — worth a closer look.
- Cost of funds of 1.18% sits at the 85th percentile of structural peers — worth a closer look.
- Efficiency ratio of 98.09% sits at the 87th 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 | ON THE GRID FINANCIAL | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $46.28M | 95th pct | 72th pct |
| Members | 3,930 | 90th pct | 75th pct |
| Net worth ratio | 13.60% | 50th pct | 61th pct |
| Return on average assets | 0.03% | 19th pct | 13th pct |
| Net interest margin | 2.98% | 16th pct | 8th pct |
| Cost of funds | 1.18% | 66th pct | 85th pct |
| Loan-to-share | 45.94% | 29th pct | 48th pct |
| Delinquency 60+ days | 0.35% | 40th pct | 36th pct |
| Net charge-off ratio | 0.35% | 65th pct | 49th pct |
| Loan growth YoY | 0.47% | 74th pct | 80th pct |
| Share growth YoY | 6.23% | 82th pct | 93th pct |
| Efficiency ratio | 98.09% | 87th pct | 87th pct |
structural peer set hash: b887ecc1fa87cdd5d4c701fb404b6de8… (reproducible)
Closest structural peers
This is the free public view
Claim ON THE GRID FINANCIAL
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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.