WELD COMMUNITY
Charter #63122 · Greeley, CO · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 7,155 sits at the 23rd percentile of structural peers — worth a closer look.
- Net interest margin of 4.23% ranks in the 90th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.25% ranks in the 11th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 0.04% ranks in the 5th percentile among structurally similar credit unions — a relative strength.
- On Total assets, the asset-size band puts this credit union at the 8th percentile but its structural peers at the 26th — a 18-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 | WELD COMMUNITY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $110.90M | 8th pct | 26th pct |
| Members | 7,155 | 12th pct | 23th pct |
| Net worth ratio | 10.99% | 43th pct | 36th pct |
| Return on average assets | 0.91% | 64th pct | 62th pct |
| Net interest margin | 4.23% | 82th pct | 90th pct |
| Cost of funds | 0.25% | 11th pct | 11th pct |
| Loan-to-share | 60.02% | 27th pct | 36th pct |
| Delinquency 60+ days | 0.04% | 2th pct | 5th pct |
| Net charge-off ratio | 0.29% | 43th pct | 54th pct |
| Loan growth YoY | -5.87% | 4th pct | 3th pct |
| Share growth YoY | 1.10% | 18th pct | 13th pct |
| Efficiency ratio | 78.45% | 49th pct | 44th pct |
structural peer set hash: aae863df7119ee49d1c19bec3990c20f… (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.