STATE DEPARTMENT
Charter #435 · ALEXANDRIA, VA · >$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Net interest margin of 2.44% sits at the 3rd percentile of structural peers — worth a closer look.
- Cost of funds of 2.24% sits at the 90th percentile of structural peers — worth a closer look.
- On Members, the asset-size band puts this credit union at the 33rd percentile but its structural peers at the 51st — a 18-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 | STATE DEPARTMENT | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $2.94B | 64th pct | 74th pct |
| Members | 85,954 | 33th pct | 51th pct |
| Net worth ratio | 10.65% | 48th pct | 39th pct |
| Return on average assets | 0.48% | 28th pct | 26th pct |
| Net interest margin | 2.44% | 7th pct | 3th pct |
| Cost of funds | 2.24% | 75th pct | 90th pct |
| Loan-to-share | 63.16% | 10th pct | 28th pct |
| Delinquency 60+ days | 0.90% | 74th pct | 74th pct |
| Net charge-off ratio | 0.66% | 62th pct | 64th pct |
| Loan growth YoY | 7.49% | 92th pct | 97th pct |
| Share growth YoY | 2.77% | 26th pct | 33th pct |
| Efficiency ratio | 70.60% | 43th pct | 34th pct |
structural peer set hash: e275969e25c1ae82f754d1121f7caf77… (reproducible)
Closest structural peers
This is the free public view
Claim STATE DEPARTMENT
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.