FOX VALLEY
Charter #63286 · Aurora, IL · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 15.33% ranks in the 80th percentile among structurally similar credit unions — a relative strength.
- Return on average assets of -0.41% sits at the 5th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 1.90% sits at the 89th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 1.26% sits at the 92nd percentile of structural peers — worth a closer look.
- On Total assets, the asset-size band puts this credit union at the 95th percentile but its structural peers at the 61st — a 35-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 | FOX VALLEY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $46.64M | 95th pct | 61th pct |
| Members | 3,399 | 83th pct | 52th pct |
| Net worth ratio | 15.33% | 62th pct | 80th pct |
| Return on average assets | -0.41% | 11th pct | 5th pct |
| Net interest margin | 3.88% | 51th pct | 64th pct |
| Cost of funds | 0.94% | 55th pct | 70th pct |
| Loan-to-share | 38.52% | 19th pct | 48th pct |
| Delinquency 60+ days | 1.90% | 83th pct | 89th pct |
| Net charge-off ratio | 1.26% | 89th pct | 92th pct |
| Loan growth YoY | -6.15% | 23th pct | 23th pct |
| Share growth YoY | 2.56% | 51th pct | 59th pct |
| Efficiency ratio | 90.17% | 73th pct | 72th pct |
structural peer set hash: 14411f1d65ab4706f9eeeaa3136f64d0… (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.