VICINITY
Charter #60041 · Chicago, IL · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 8.38% sits at the 5th percentile of structural peers — worth a closer look.
- Return on average assets of -0.26% sits at the 3rd percentile of structural peers — worth a closer look.
- Net interest margin of 2.97% sits at the 25th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 0.66% sits at the 82nd percentile of structural peers — worth a closer look.
- Efficiency ratio of 109.57% sits at the 95th 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 | VICINITY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $201.18M | 52th pct | 44th pct |
| Members | 17,576 | 68th pct | 72th pct |
| Net worth ratio | 8.38% | 6th pct | 5th pct |
| Return on average assets | -0.26% | 5th pct | 3th pct |
| Net interest margin | 2.97% | 14th pct | 25th pct |
| Cost of funds | 1.15% | 46th pct | 61th pct |
| Loan-to-share | 47.83% | 10th pct | 18th pct |
| Delinquency 60+ days | 0.42% | 33th pct | 46th pct |
| Net charge-off ratio | 0.66% | 76th pct | 82th pct |
| Loan growth YoY | -1.23% | 33th pct | 49th pct |
| Share growth YoY | -0.23% | 9th pct | 5th pct |
| Efficiency ratio | 109.57% | 99th pct | 95th pct |
structural peer set hash: d48407a07116e2f4f5fbf6e29ae8d254… (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.