CHURCH OF THE MASTER
Charter #5127 · NEW YORK, NY · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 52.44% ranks in the 92nd percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 1.72% ranks in the 79th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 1.60% sits at the 0th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 7.00% sits at the 80th percentile of structural peers — worth a closer look.
- On Loan-to-share, the asset-size band puts this credit union at the 24th percentile but its structural peers at the 41st — a 17-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 | CHURCH OF THE MASTER | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $1.01M | 17th pct | 33th pct |
| Members | 237 | 18th pct | 33th pct |
| Net worth ratio | 52.44% | 98th pct | 92th pct |
| Return on average assets | 1.72% | 87th pct | 79th pct |
| Net interest margin | 1.60% | 5th pct | 0th pct |
| Cost of funds | 0.10% | 21th pct | 28th pct |
| Loan-to-share | 35.07% | 24th pct | 41th pct |
| Delinquency 60+ days | 7.00% | 92th pct | 80th pct |
| Net charge-off ratio | 0.00% | 22th pct | 30th pct |
| Loan growth YoY | 3.90% | 85th pct | 75th pct |
| Share growth YoY | 1.34% | 59th pct | 67th pct |
| Efficiency ratio | 69.32% | 24th pct | 31th pct |
structural peer set hash: f69ab3299faab99242b449b2e611fcb7… (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.