ADVANTAGE
Charter #61383 · Mansfield, OH · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 0.05% sits at the 15th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 0.08% ranks in the 8th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.74% sits at the 79th percentile of structural peers — worth a closer look.
- Efficiency ratio of 92.53% sits at the 75th percentile of structural peers — worth a closer look.
- On Total assets, the asset-size band puts this credit union at the 87th percentile but its structural peers at the 46th — a 41-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 | ADVANTAGE | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $42.50M | 87th pct | 46th pct |
| Members | 3,503 | 85th pct | 49th pct |
| Net worth ratio | 9.56% | 15th pct | 26th pct |
| Return on average assets | 0.05% | 20th pct | 15th pct |
| Net interest margin | 3.72% | 44th pct | 31th pct |
| Cost of funds | 0.54% | 36th pct | 44th pct |
| Loan-to-share | 52.86% | 43th pct | 52th pct |
| Delinquency 60+ days | 0.08% | 19th pct | 8th pct |
| Net charge-off ratio | 0.74% | 79th pct | 79th pct |
| Loan growth YoY | -7.42% | 16th pct | 8th pct |
| Share growth YoY | 1.22% | 37th pct | 31th pct |
| Efficiency ratio | 92.53% | 78th pct | 75th pct |
structural peer set hash: 5a9aeab888cfe156d60a3db156cc0971… (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.