EMPLOYEES
Charter #63299 · Estherville, IA · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 18.79% ranks in the 87th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 2.77% sits at the 8th percentile of structural peers — worth a closer look.
- Cost of funds of 3.23% sits at the 98th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 3.60% sits at the 98th percentile of structural peers — worth a closer look.
- Efficiency ratio of 44.67% ranks in the 0th percentile among structurally similar credit unions — a relative strength.
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 | EMPLOYEES | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $200.19M | 51th pct | 69th pct |
| Members | 9,142 | 25th pct | 34th pct |
| Net worth ratio | 18.79% | 96th pct | 87th pct |
| Return on average assets | 1.40% | 86th pct | 69th pct |
| Net interest margin | 2.77% | 7th pct | 8th pct |
| Cost of funds | 3.23% | 99th pct | 98th pct |
| Loan-to-share | 54.61% | 18th pct | 31th pct |
| Delinquency 60+ days | 3.60% | 99th pct | 98th pct |
| Net charge-off ratio | 0.46% | 60th pct | 57th pct |
| Loan growth YoY | -1.00% | 36th pct | 38th pct |
| Share growth YoY | 5.90% | 80th pct | 74th pct |
| Efficiency ratio | 44.67% | 1th pct | 0th pct |
structural peer set hash: 87e2da35d773fbaafdf86fbfc2e42f3e… (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.