BRONCO
Charter #4616 · FRANKLIN, VA · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Net interest margin of 4.41% ranks in the 77th percentile among structurally similar credit unions — a relative strength.
- On Members, the asset-size band puts this credit union at the 75th percentile but its structural peers at the 52nd — a 23-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 | BRONCO | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $293.12M | 72th pct | 61th pct |
| Members | 19,316 | 75th pct | 52th pct |
| Net worth ratio | 10.97% | 43th pct | 49th pct |
| Return on average assets | 0.62% | 43th pct | 34th pct |
| Net interest margin | 4.41% | 87th pct | 77th pct |
| Cost of funds | 1.21% | 50th pct | 57th pct |
| Loan-to-share | 77.45% | 61th pct | 54th pct |
| Delinquency 60+ days | 0.59% | 48th pct | 52th pct |
| Net charge-off ratio | 0.69% | 78th pct | 69th pct |
| Loan growth YoY | 0.50% | 52th pct | 44th pct |
| Share growth YoY | 5.26% | 73th pct | 80th pct |
| Efficiency ratio | 76.14% | 41th pct | 48th pct |
structural peer set hash: 0d6e298e804c01115597ec0f3f18d40f… (reproducible)
Closest structural peers
This is the free public view
Claim BRONCO
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.