802
Charter #62983 · Barre, VT · $500M-$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 12.45% ranks in the 77th percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 1.20% ranks in the 77th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 4.97% ranks in the 93rd percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.87% ranks in the 18th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 1.26% sits at the 79th percentile of structural peers — worth a closer look.
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 | 802 | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $500.29M | 0th pct | 16th pct |
| Members | 42,126 | 49th pct | 54th pct |
| Net worth ratio | 12.45% | 76th pct | 77th pct |
| Return on average assets | 1.20% | 83th pct | 77th pct |
| Net interest margin | 4.97% | 98th pct | 93th pct |
| Cost of funds | 0.87% | 19th pct | 18th pct |
| Loan-to-share | 87.16% | 69th pct | 54th pct |
| Delinquency 60+ days | 1.26% | 88th pct | 79th pct |
| Net charge-off ratio | 0.34% | 42th pct | 49th pct |
| Loan growth YoY | 13.70% | 97th pct | 86th pct |
| Share growth YoY | 16.14% | 98th pct | 88th pct |
| Efficiency ratio | 74.59% | 32th pct | 36th pct |
structural peer set hash: 1be8dc7e2a205750abc83d530bd64e9c… (reproducible)
Closest structural peers
This is the free public view
Claim 802
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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.