UNITY CATHOLIC
Charter #4966 · Parma, OH · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 8.90% sits at the 21st percentile of structural peers — worth a closer look.
- Cost of funds of 1.35% sits at the 75th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 1.52% sits at the 84th percentile of structural peers — worth a closer look.
- On Total assets, the asset-size band puts this credit union at the 99th percentile but its structural peers at the 57th — a 41-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 | UNITY CATHOLIC | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $98.67M | 99th pct | 57th pct |
| Members | 9,125 | 93th pct | 54th pct |
| Net worth ratio | 8.90% | 10th pct | 21th pct |
| Return on average assets | 0.31% | 28th pct | 38th pct |
| Net interest margin | 3.99% | 66th pct | 52th pct |
| Cost of funds | 1.35% | 74th pct | 75th pct |
| Loan-to-share | 69.62% | 67th pct | 69th pct |
| Delinquency 60+ days | 1.52% | 87th pct | 84th pct |
| Net charge-off ratio | 0.56% | 75th pct | 59th pct |
| Loan growth YoY | -1.63% | 49th pct | 30th pct |
| Share growth YoY | 2.71% | 47th pct | 51th pct |
| Efficiency ratio | 88.11% | 76th pct | 61th pct |
structural peer set hash: 64cdd0b1bba52c7acb96149d4e282c7d… (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.