INOVA
Charter #4968 · Elkhart, IN · $500M-$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 8.11% sits at the 3rd percentile of structural peers — worth a closer look.
- Return on average assets of 0.08% sits at the 10th percentile of structural peers — worth a closer look.
- Cost of funds of 2.97% sits at the 93rd percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 0.97% sits at the 82nd percentile of structural peers — worth a closer look.
- Net charge-off ratio of 0.98% sits at the 80th percentile of structural peers — worth a closer look.
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 | INOVA | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $658.09M | 38th pct | 15th pct |
| Members | 47,671 | 68th pct | 33th pct |
| Net worth ratio | 8.11% | 7th pct | 3th pct |
| Return on average assets | 0.08% | 8th pct | 10th pct |
| Net interest margin | 3.39% | 40th pct | 26th pct |
| Cost of funds | 2.97% | 99th pct | 93th pct |
| Loan-to-share | 114.04% | 100th pct | 98th pct |
| Delinquency 60+ days | 0.97% | 76th pct | 82th pct |
| Net charge-off ratio | 0.98% | 87th pct | 80th pct |
| Loan growth YoY | -2.09% | 17th pct | 7th pct |
| Share growth YoY | -0.94% | 4th pct | 5th pct |
| Efficiency ratio | 80.18% | 59th pct | 67th pct |
structural peer set hash: d34bb17f9c4ed180cd4d21de3d8172a3… (reproducible)
Closest structural peers
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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.