LOYALTY
Charter #62417 · Pensacola, FL · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Net interest margin of 4.38% ranks in the 90th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.21% ranks in the 16th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 1.30% sits at the 95th percentile of structural peers — worth a closer look.
- On Members, the asset-size band puts this credit union at the 75th percentile but its structural peers at the 56th — a 19-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 | LOYALTY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $302.86M | 74th pct | 66th pct |
| Members | 19,143 | 75th pct | 56th pct |
| Net worth ratio | 11.25% | 46th pct | 56th pct |
| Return on average assets | 0.90% | 63th pct | 69th pct |
| Net interest margin | 4.38% | 87th pct | 90th pct |
| Cost of funds | 0.21% | 10th pct | 16th pct |
| Loan-to-share | 61.77% | 30th pct | 43th pct |
| Delinquency 60+ days | 0.50% | 41th pct | 38th pct |
| Net charge-off ratio | 1.30% | 94th pct | 95th pct |
| Loan growth YoY | 1.62% | 63th pct | 64th pct |
| Share growth YoY | 2.66% | 38th pct | 31th pct |
| Efficiency ratio | 79.47% | 53th pct | 39th pct |
structural peer set hash: 44d8c618683ed5a3413f3353997823d3… (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.