CHAMPION
Charter #63100 · Toledo, OH · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Net interest margin of 2.96% sits at the 7th percentile of structural peers — worth a closer look.
- On Cost of funds, the asset-size band puts this credit union at the 45th percentile but its structural peers at the 61st — a 16-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 | CHAMPION | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $74.08M | 55th pct | 57th pct |
| Members | 5,482 | 57th pct | 62th pct |
| Net worth ratio | 11.46% | 35th pct | 33th pct |
| Return on average assets | 1.18% | 74th pct | 74th pct |
| Net interest margin | 2.96% | 15th pct | 7th pct |
| Cost of funds | 0.84% | 45th pct | 61th pct |
| Loan-to-share | 37.23% | 10th pct | 16th pct |
| Delinquency 60+ days | 0.70% | 54th pct | 67th pct |
| Net charge-off ratio | 0.09% | 31th pct | 28th pct |
| Loan growth YoY | -0.12% | 63th pct | 64th pct |
| Share growth YoY | 2.00% | 40th pct | 41th pct |
| Efficiency ratio | 76.50% | 41th pct | 48th pct |
structural peer set hash: 1a98db44b83b3046e6ffe476f4116c60… (reproducible)
Closest structural peers
This is the free public view
Claim CHAMPION
Unlock the full operating picture — scenario modeling, deposit & collections packs, the governed action framework, and an exam-ready evidence binder with every number traced to its basis.
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.