FINANCIAL PLUS
Charter #61231 · OTTAWA, IL · $500M-$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 12.96% ranks in the 85th percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 1.53% ranks in the 93rd percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 4.00% ranks in the 80th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 0.41% ranks in the 18th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 65.56% ranks in the 11th percentile among structurally similar credit unions — a relative strength.
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 | FINANCIAL PLUS | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $603.34M | 25th pct | 41th pct |
| Members | 45,783 | 63th pct | 52th pct |
| Net worth ratio | 12.96% | 81th pct | 85th pct |
| Return on average assets | 1.53% | 91th pct | 93th pct |
| Net interest margin | 4.00% | 84th pct | 80th pct |
| Cost of funds | 1.21% | 32th pct | 33th pct |
| Loan-to-share | 73.67% | 31th pct | 43th pct |
| Delinquency 60+ days | 0.41% | 31th pct | 18th pct |
| Net charge-off ratio | 0.40% | 48th pct | 30th pct |
| Loan growth YoY | 4.41% | 87th pct | 77th pct |
| Share growth YoY | 10.65% | 96th pct | 93th pct |
| Efficiency ratio | 65.56% | 15th pct | 11th pct |
structural peer set hash: 220cef328dd7c88a24c40421e24c5314… (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.