HAYNES COMMUNITY
Charter #5773 · Kokomo, IN · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 3,986 ranks in the 75th percentile among structurally similar credit unions — a relative strength.
- Net worth ratio of 11.33% sits at the 21st percentile of structural peers — worth a closer look.
- Net interest margin of 2.36% sits at the 3rd percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 2.09% sits at the 93rd percentile of structural peers — worth a closer look.
- On Loan-to-share, the asset-size band puts this credit union at the 83rd percentile but its structural peers at the 59th — a 24-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 | HAYNES COMMUNITY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $42.40M | 87th pct | 77th pct |
| Members | 3,986 | 91th pct | 75th pct |
| Net worth ratio | 11.33% | 29th pct | 21th pct |
| Return on average assets | 0.52% | 42th pct | 39th pct |
| Net interest margin | 2.36% | 5th pct | 3th pct |
| Cost of funds | 1.23% | 68th pct | 61th pct |
| Loan-to-share | 78.17% | 83th pct | 59th pct |
| Delinquency 60+ days | 2.09% | 86th pct | 93th pct |
| Net charge-off ratio | 0.31% | 62th pct | 61th pct |
| Loan growth YoY | -7.92% | 14th pct | 7th pct |
| Share growth YoY | 6.54% | 84th pct | 69th pct |
| Efficiency ratio | 77.24% | 42th pct | 41th pct |
structural peer set hash: 8727a61bba5ede4e77d92809412d71e5… (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.