GLASS CITY
Charter #5495 · Maumee, OH · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 1.15% ranks in the 85th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 0.13% ranks in the 8th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.23% ranks in the 21st percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 74.96% ranks in the 23rd percentile among structurally similar credit unions — a relative strength.
- On Members, the asset-size band puts this credit union at the 91st percentile but its structural peers at the 72nd — a 19-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 | GLASS CITY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $324.08M | 77th pct | 67th pct |
| Members | 26,888 | 91th pct | 72th pct |
| Net worth ratio | 10.99% | 43th pct | 52th pct |
| Return on average assets | 1.15% | 77th pct | 85th pct |
| Net interest margin | 3.50% | 40th pct | 30th pct |
| Cost of funds | 1.16% | 47th pct | 46th pct |
| Loan-to-share | 78.53% | 64th pct | 64th pct |
| Delinquency 60+ days | 0.13% | 8th pct | 8th pct |
| Net charge-off ratio | 0.23% | 34th pct | 21th pct |
| Loan growth YoY | -1.68% | 28th pct | 28th pct |
| Share growth YoY | 4.17% | 60th pct | 57th pct |
| Efficiency ratio | 74.96% | 38th pct | 23th pct |
structural peer set hash: ebd2044f9e6b0a24e9b8dd09cb11117d… (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.