CDC
Charter #6053 · Atlanta, GA · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 23,527 ranks in the 85th percentile among structurally similar credit unions — a relative strength.
- Net worth ratio of 9.12% sits at the 10th percentile of structural peers — worth a closer look.
- Return on average assets of -1.19% sits at the 2nd percentile of structural peers — worth a closer look.
- Net interest margin of 2.34% sits at the 3rd percentile of structural peers — worth a closer look.
- Cost of funds of 1.39% sits at the 79th 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 | CDC | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $435.53M | 94th pct | 80th pct |
| Members | 23,527 | 86th pct | 85th pct |
| Net worth ratio | 9.12% | 15th pct | 10th pct |
| Return on average assets | -1.19% | 1th pct | 2th pct |
| Net interest margin | 2.34% | 3th pct | 3th pct |
| Cost of funds | 1.39% | 61th pct | 79th pct |
| Loan-to-share | 46.07% | 9th pct | 8th pct |
| Delinquency 60+ days | 0.64% | 53th pct | 64th pct |
| Net charge-off ratio | 0.53% | 67th pct | 75th pct |
| Loan growth YoY | -1.02% | 36th pct | 44th pct |
| Share growth YoY | 0.15% | 11th pct | 11th pct |
| Efficiency ratio | 136.15% | 100th pct | 97th pct |
structural peer set hash: f6791a89f5f317f8a733b3b38f2d53e5… (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.