FIELDSTONE
Charter #60325 · Bradley, IL · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 0.35% sits at the 20th percentile of structural peers — worth a closer look.
- Net interest margin of 4.20% ranks in the 77th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.42% ranks in the 23rd percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 86.05% sits at the 77th percentile of structural peers — worth a closer look.
- On Total assets, the asset-size band puts this credit union at the 23rd percentile but its structural peers at the 51st — a 28-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 | FIELDSTONE | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $58.86M | 23th pct | 51th pct |
| Members | 4,770 | 45th pct | 61th pct |
| Net worth ratio | 14.18% | 64th pct | 64th pct |
| Return on average assets | 0.35% | 32th pct | 20th pct |
| Net interest margin | 4.20% | 77th pct | 77th pct |
| Cost of funds | 0.42% | 20th pct | 23th pct |
| Loan-to-share | 55.14% | 40th pct | 46th pct |
| Delinquency 60+ days | 0.76% | 59th pct | 70th pct |
| Net charge-off ratio | 0.31% | 57th pct | 69th pct |
| Loan growth YoY | -1.37% | 52th pct | 54th pct |
| Share growth YoY | 10.47% | 97th pct | 95th pct |
| Efficiency ratio | 86.05% | 70th pct | 77th pct |
structural peer set hash: 46d80a74a4892e5d2a80080c1736213a… (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.