SIGNAL FINANCIAL
Charter #5571 · Kensington, MD · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of -0.12% sits at the 11th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 0.41% ranks in the 16th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 102.78% sits at the 92nd percentile of structural peers — worth a closer look.
- On Net worth ratio, the asset-size band puts this credit union at the 20th percentile but its structural peers at the 43rd — a 23-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 | SIGNAL FINANCIAL | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $369.07M | 85th pct | 66th pct |
| Members | 18,277 | 71th pct | 64th pct |
| Net worth ratio | 9.44% | 20th pct | 43th pct |
| Return on average assets | -0.12% | 6th pct | 11th pct |
| Net interest margin | 3.39% | 34th pct | 49th pct |
| Cost of funds | 1.36% | 59th pct | 38th pct |
| Loan-to-share | 86.14% | 81th pct | 61th pct |
| Delinquency 60+ days | 0.41% | 32th pct | 16th pct |
| Net charge-off ratio | 0.26% | 38th pct | 49th pct |
| Loan growth YoY | -0.72% | 39th pct | 39th pct |
| Share growth YoY | 7.63% | 91th pct | 97th pct |
| Efficiency ratio | 102.78% | 98th pct | 92th pct |
structural peer set hash: 6d0c8d50b70bacc6deb9629e2256869d… (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.