GOLDEN CIRCLE
Charter #61239 · Massillon, OH · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 6,783 sits at the 16th percentile of structural peers — worth a closer look.
- Net worth ratio of 13.82% ranks in the 79th percentile among structurally similar credit unions — a relative strength.
- Return on average assets of -1.15% sits at the 2nd percentile of structural peers — worth a closer look.
- Net interest margin of 2.95% sits at the 2nd percentile of structural peers — worth a closer look.
- Cost of funds of 0.41% ranks in the 21st 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 | GOLDEN CIRCLE | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $106.50M | 5th pct | 13th pct |
| Members | 6,783 | 10th pct | 16th pct |
| Net worth ratio | 13.82% | 77th pct | 79th pct |
| Return on average assets | -1.15% | 1th pct | 2th pct |
| Net interest margin | 2.95% | 12th pct | 2th pct |
| Cost of funds | 0.41% | 16th pct | 21th pct |
| Loan-to-share | 53.65% | 16th pct | 34th pct |
| Delinquency 60+ days | 1.03% | 77th pct | 67th pct |
| Net charge-off ratio | 0.53% | 67th pct | 67th pct |
| Loan growth YoY | -9.66% | 1th pct | 0th pct |
| Share growth YoY | 2.07% | 29th pct | 31th pct |
| Efficiency ratio | 130.21% | 100th pct | 98th pct |
structural peer set hash: 43db3eaa096af6f0751f56c9f9484433… (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.