PILLAR
Charter #61324 · MARION, OH · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Cost of funds of 0.00% ranks in the 0th percentile among structurally similar credit unions — a relative strength.
- On Total assets, the asset-size band puts this credit union at the 19th percentile but its structural peers at the 61st — a 42-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 | PILLAR | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $128.00M | 19th pct | 61th pct |
| Members | 10,068 | 33th pct | 59th pct |
| Net worth ratio | 10.64% | 37th pct | 34th pct |
| Return on average assets | 0.91% | 64th pct | 57th pct |
| Net interest margin | 3.61% | 47th pct | 33th pct |
| Cost of funds | 0.00% | 0th pct | 0th pct |
| Loan-to-share | 65.48% | 37th pct | 51th pct |
| Delinquency 60+ days | 0.89% | 71th pct | 72th pct |
| Net charge-off ratio | 0.42% | 55th pct | 48th pct |
| Loan growth YoY | 1.73% | 64th pct | 64th pct |
| Share growth YoY | 6.16% | 82th pct | 75th pct |
| Efficiency ratio | 73.83% | 34th pct | 49th pct |
structural peer set hash: 852e28544453e0c17615fb2858404406… (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.