FORT FINANCIAL
Charter #5431 · Fort Wayne, IN · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Net interest margin of 4.19% ranks in the 89th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 0.27% ranks in the 16th percentile among structurally similar credit unions — a relative strength.
- On Cost of funds, the asset-size band puts this credit union at the 55th percentile but its structural peers at the 30th — a 25-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 | FORT FINANCIAL | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $398.37M | 89th pct | 66th pct |
| Members | 23,413 | 86th pct | 64th pct |
| Net worth ratio | 11.76% | 54th pct | 69th pct |
| Return on average assets | 1.15% | 77th pct | 70th pct |
| Net interest margin | 4.19% | 80th pct | 89th pct |
| Cost of funds | 1.29% | 55th pct | 30th pct |
| Loan-to-share | 83.29% | 76th pct | 54th pct |
| Delinquency 60+ days | 0.27% | 20th pct | 16th pct |
| Net charge-off ratio | 0.18% | 28th pct | 30th pct |
| Loan growth YoY | 2.69% | 73th pct | 54th pct |
| Share growth YoY | 10.21% | 97th pct | 89th pct |
| Efficiency ratio | 82.56% | 64th pct | 69th pct |
structural peer set hash: 3c8557f9d6c133e44df83c6b80e50145… (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.