MEMBERS
Charter #60002 · WINSTON SALEM, NC · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 47,453 ranks in the 97th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 4.20% ranks in the 87th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.23% ranks in the 15th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 0.95% sits at the 75th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 1.58% sits at the 97th percentile of structural peers — worth a closer look.
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 | MEMBERS | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $481.76M | 98th pct | 95th pct |
| Members | 47,453 | 100th pct | 97th pct |
| Net worth ratio | 14.35% | 82th pct | 72th pct |
| Return on average assets | 0.76% | 55th pct | 31th pct |
| Net interest margin | 4.20% | 81th pct | 87th pct |
| Cost of funds | 0.23% | 10th pct | 15th pct |
| Loan-to-share | 45.27% | 8th pct | 18th pct |
| Delinquency 60+ days | 0.95% | 74th pct | 75th pct |
| Net charge-off ratio | 1.58% | 96th pct | 97th pct |
| Loan growth YoY | -1.09% | 34th pct | 46th pct |
| Share growth YoY | 5.13% | 72th pct | 57th pct |
| Efficiency ratio | 69.53% | 24th pct | 43th pct |
structural peer set hash: e803624c9f41383077ed310177376a80… (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.