INTEGRITY
Charter #475 · BARBERTON, OH · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 1.67% ranks in the 92nd percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 3.40% sits at the 8th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 0.22% ranks in the 11th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 62.82% ranks in the 10th percentile among structurally similar credit unions — a relative strength.
- On Members, the asset-size band puts this credit union at the 61st percentile but its structural peers at the 30th — 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 | INTEGRITY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $72.74M | 52th pct | 49th pct |
| Members | 5,732 | 61th pct | 30th pct |
| Net worth ratio | 9.58% | 15th pct | 31th pct |
| Return on average assets | 1.67% | 89th pct | 92th pct |
| Net interest margin | 3.40% | 33th pct | 8th pct |
| Cost of funds | 1.16% | 65th pct | 74th pct |
| Loan-to-share | 62.18% | 53th pct | 48th pct |
| Delinquency 60+ days | 0.22% | 22th pct | 11th pct |
| Net charge-off ratio | 0.25% | 50th pct | 30th pct |
| Loan growth YoY | 5.96% | 94th pct | 89th pct |
| Share growth YoY | 0.87% | 26th pct | 15th pct |
| Efficiency ratio | 62.82% | 15th pct | 10th pct |
structural peer set hash: a80d93a2340ed7e944f32a1122a42d82… (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.