FINANCIAL PLUS
Charter #62965 · West Des Moines, IA · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Net interest margin of 3.46% sits at the 16th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 0.10% ranks in the 11th percentile among structurally similar credit unions — a relative strength.
- On Net interest margin, the asset-size band puts this credit union at the 37th percentile but its structural peers at the 16th — 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 | FINANCIAL PLUS | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $239.63M | 61th pct | 56th pct |
| Members | 11,608 | 42th pct | 33th pct |
| Net worth ratio | 14.10% | 80th pct | 72th pct |
| Return on average assets | 0.86% | 61th pct | 48th pct |
| Net interest margin | 3.46% | 37th pct | 16th pct |
| Cost of funds | 1.12% | 45th pct | 39th pct |
| Loan-to-share | 80.92% | 70th pct | 62th pct |
| Delinquency 60+ days | 0.53% | 44th pct | 43th pct |
| Net charge-off ratio | 0.10% | 19th pct | 11th pct |
| Loan growth YoY | -0.87% | 37th pct | 31th pct |
| Share growth YoY | 5.43% | 75th pct | 69th pct |
| Efficiency ratio | 77.64% | 46th pct | 51th pct |
structural peer set hash: 5394f026724579080fe449ca28342483… (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.