CHRISTO REY
Charter #5524 · NEY, OH · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 9.00% sits at the 18th percentile of structural peers — worth a closer look.
- Return on average assets of 3.50% ranks in the 97th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.00% ranks in the 0th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.00% ranks in the 20th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 18.72% ranks in the 0th percentile among structurally similar credit unions — a relative strength.
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 | CHRISTO REY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $3.58M | 46th pct | 25th pct |
| Members | 525 | 45th pct | 28th pct |
| Net worth ratio | 9.00% | 10th pct | 18th pct |
| Return on average assets | 3.50% | 97th pct | 97th pct |
| Net interest margin | 4.27% | 57th pct | 52th pct |
| Cost of funds | 0.00% | 0th pct | 0th pct |
| Loan-to-share | 48.26% | 39th pct | 36th pct |
| Delinquency 60+ days | 0.24% | 34th pct | 30th pct |
| Net charge-off ratio | 0.00% | 22th pct | 20th pct |
| Loan growth YoY | 3.91% | 85th pct | 92th pct |
| Share growth YoY | 3.64% | 74th pct | 59th pct |
| Efficiency ratio | 18.72% | 2th pct | 0th pct |
structural peer set hash: d7ede4d5030c40d01f7b57d9f39056cc… (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.