HUD
Charter #4037 · WASHINGTON, DC · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 4.16% sits at the 0th percentile of structural peers — worth a closer look.
- Return on average assets of -0.31% sits at the 18th percentile of structural peers — worth a closer look.
- Net interest margin of 4.14% ranks in the 80th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.49% ranks in the 15th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 0.27% ranks in the 15th 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 | HUD | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $44.60M | 91th pct | 38th pct |
| Members | 4,937 | 96th pct | 56th pct |
| Net worth ratio | 4.16% | 0th pct | 0th pct |
| Return on average assets | -0.31% | 12th pct | 18th pct |
| Net interest margin | 4.14% | 64th pct | 80th pct |
| Cost of funds | 0.49% | 32th pct | 15th pct |
| Loan-to-share | 74.49% | 76th pct | 66th pct |
| Delinquency 60+ days | 0.27% | 34th pct | 15th pct |
| Net charge-off ratio | 0.77% | 80th pct | 84th pct |
| Loan growth YoY | -6.14% | 23th pct | 10th pct |
| Share growth YoY | -2.44% | 11th pct | 10th pct |
| Efficiency ratio | 103.37% | 91th pct | 87th pct |
structural peer set hash: 35e6bd736429302ec4579343bbea2287… (reproducible)
Closest structural peers
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Claim HUD
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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.