CENSUS
Charter #5641 · SUITLAND, MD · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 20.00% ranks in the 75th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.06% ranks in the 5th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 1.66% sits at the 77th percentile of structural peers — worth a closer look.
- On Net interest margin, the asset-size band puts this credit union at the 24th percentile but its structural peers at the 57th — a 34-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 | CENSUS | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $49.63M | 100th pct | 90th pct |
| Members | 2,067 | 48th pct | 54th pct |
| Net worth ratio | 20.00% | 85th pct | 75th pct |
| Return on average assets | 1.06% | 71th pct | 64th pct |
| Net interest margin | 3.23% | 24th pct | 57th pct |
| Cost of funds | 0.06% | 4th pct | 5th pct |
| Loan-to-share | 27.53% | 7th pct | 30th pct |
| Delinquency 60+ days | 1.66% | 81th pct | 77th pct |
| Net charge-off ratio | 0.14% | 51th pct | 56th pct |
| Loan growth YoY | -9.13% | 10th pct | 18th pct |
| Share growth YoY | -1.75% | 14th pct | 13th pct |
| Efficiency ratio | 69.56% | 25th pct | 41th pct |
structural peer set hash: 4c8e697cce5f61befcc724a45f83fa28… (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.