DIRECTIONS
Charter #60978 · Toledo, OH · >$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Delinquency 60+ days of 0.36% ranks in the 15th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.22% ranks in the 3rd percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 82.44% sits at the 79th percentile of structural peers — worth a closer look.
- On Total assets, the asset-size band puts this credit union at the 24th percentile but its structural peers at the 51st — a 27-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 | DIRECTIONS | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $1.39B | 24th pct | 51th pct |
| Members | 97,389 | 40th pct | 64th pct |
| Net worth ratio | 9.29% | 18th pct | 28th pct |
| Return on average assets | 0.53% | 32th pct | 44th pct |
| Net interest margin | 3.62% | 69th pct | 51th pct |
| Cost of funds | 1.55% | 40th pct | 43th pct |
| Loan-to-share | 92.67% | 71th pct | 69th pct |
| Delinquency 60+ days | 0.36% | 21th pct | 15th pct |
| Net charge-off ratio | 0.22% | 15th pct | 3th pct |
| Loan growth YoY | 1.16% | 41th pct | 38th pct |
| Share growth YoY | 4.24% | 54th pct | 56th pct |
| Efficiency ratio | 82.44% | 85th pct | 79th pct |
structural peer set hash: 765dbada803f449e28de23af898ee0c0… (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.