SHERWIN WILLIAMS EMP.
Charter #61368 · South Holland, IL · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Net interest margin of 3.10% sits at the 20th percentile of structural peers — worth a closer look.
- Cost of funds of 1.12% sits at the 84th percentile of structural peers — worth a closer look.
- Efficiency ratio of 94.52% sits at the 84th percentile of structural peers — worth a closer look.
- On Total assets, the asset-size band puts this credit union at the 85th percentile but its structural peers at the 64th — a 21-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 | SHERWIN WILLIAMS EMP. | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $40.82M | 85th pct | 64th pct |
| Members | 3,023 | 76th pct | 57th pct |
| Net worth ratio | 12.59% | 42th pct | 39th pct |
| Return on average assets | 0.34% | 33th pct | 30th pct |
| Net interest margin | 3.10% | 19th pct | 20th pct |
| Cost of funds | 1.12% | 63th pct | 84th pct |
| Loan-to-share | 39.98% | 21th pct | 36th pct |
| Delinquency 60+ days | 0.30% | 36th pct | 48th pct |
| Net charge-off ratio | 0.73% | 79th pct | 74th pct |
| Loan growth YoY | -2.44% | 50th pct | 51th pct |
| Share growth YoY | -0.97% | 19th pct | 13th pct |
| Efficiency ratio | 94.52% | 82th pct | 84th pct |
structural peer set hash: 58cb075491b38eb64f389fb3f8dca095… (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.