BANK FUND STAFF
Charter #5582 · WASHINGTON, DC · >$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 13.36% ranks in the 85th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 2.43% sits at the 21st percentile of structural peers — worth a closer look.
- Net charge-off ratio of 0.08% ranks in the 16th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 62.51% ranks in the 23rd percentile among structurally similar credit unions — a relative strength.
- On Delinquency 60+ days, the asset-size band puts this credit union at the 11th percentile but its structural peers at the 26th — a 16-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 | BANK FUND STAFF | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $7.06B | 89th pct | 85th pct |
| Members | 104,247 | 43th pct | 46th pct |
| Net worth ratio | 13.36% | 85th pct | 85th pct |
| Return on average assets | 0.95% | 69th pct | 69th pct |
| Net interest margin | 2.43% | 7th pct | 21th pct |
| Cost of funds | 1.54% | 40th pct | 31th pct |
| Loan-to-share | 62.16% | 8th pct | 23th pct |
| Delinquency 60+ days | 0.24% | 11th pct | 26th pct |
| Net charge-off ratio | 0.08% | 5th pct | 16th pct |
| Loan growth YoY | 2.23% | 56th pct | 60th pct |
| Share growth YoY | 4.15% | 52th pct | 59th pct |
| Efficiency ratio | 62.51% | 17th pct | 23th pct |
structural peer set hash: b1ec601ebec9970aa05819bfafa4e57b… (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.