ST. JAMES PARISH
Charter #62624 · Cincinnati, OH · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Net charge-off ratio of 0.00% ranks in the 21st percentile among structurally similar credit unions — a relative strength.
- On Total assets, the asset-size band puts this credit union at the 68th percentile but its structural peers at the 43rd — a 25-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 | ST. JAMES PARISH | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $5.69M | 68th pct | 43th pct |
| Members | 799 | 69th pct | 54th pct |
| Net worth ratio | 22.26% | 66th pct | 61th pct |
| Return on average assets | 1.36% | 81th pct | 72th pct |
| Net interest margin | 4.53% | 66th pct | 49th pct |
| Cost of funds | 1.82% | 85th pct | 66th pct |
| Loan-to-share | 87.84% | 85th pct | 64th pct |
| Delinquency 60+ days | 0.43% | 40th pct | 41th pct |
| Net charge-off ratio | 0.00% | 22th pct | 21th pct |
| Loan growth YoY | 17.14% | 95th pct | 98th pct |
| Share growth YoY | -0.97% | 41th pct | 30th pct |
| Efficiency ratio | 70.95% | 26th pct | 34th pct |
structural peer set hash: 3b615fb53b630f3b392ab1de84a512a4… (reproducible)
Closest structural peers
This is the free public view
Claim ST. JAMES PARISH
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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.