FREMONT
Charter #5370 · Fremont, OH · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Cost of funds of 1.81% sits at the 87th percentile of structural peers — worth a closer look.
- On Members, the asset-size band puts this credit union at the 84th percentile but its structural peers at the 67th — 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 | FREMONT | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $385.61M | 87th pct | 79th pct |
| Members | 22,690 | 84th pct | 67th pct |
| Net worth ratio | 12.56% | 64th pct | 66th pct |
| Return on average assets | 0.80% | 57th pct | 56th pct |
| Net interest margin | 3.87% | 65th pct | 62th pct |
| Cost of funds | 1.81% | 81th pct | 87th pct |
| Loan-to-share | 76.25% | 58th pct | 51th pct |
| Delinquency 60+ days | 0.49% | 40th pct | 33th pct |
| Net charge-off ratio | 0.52% | 67th pct | 70th pct |
| Loan growth YoY | 2.32% | 69th pct | 64th pct |
| Share growth YoY | 6.93% | 87th pct | 85th pct |
| Efficiency ratio | 78.15% | 48th pct | 41th pct |
structural peer set hash: 90e0f6b0b3e63d361c49e4027f18f19b… (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.