Innorve

SCOTT ASSOCIATES

Charter #63386 · Marysville, OH · $10M-$50M

Public 5300 data · as of 2026Q1

What the numbers say

  • Members of 2,018 sits at the 23rd percentile of structural peers — worth a closer look.
  • Net interest margin of 3.58% sits at the 11th percentile of structural peers — worth a closer look.
  • Cost of funds of 1.72% sits at the 85th percentile of structural peers — worth a closer look.
  • On Net interest margin, the asset-size band puts this credit union at the 37th percentile but its structural peers at the 11th — a 26-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.

MetricSCOTT ASSOCIATESAsset-tier percentileStructural percentile
Total assets$15.70M23th pct21th pct
Members2,01846th pct23th pct
Net worth ratio11.08%27th pct43th pct
Return on average assets0.08%21th pct30th pct
Net interest margin3.58%37th pct11th pct
Cost of funds1.72%83th pct85th pct
Loan-to-share76.42%80th pct75th pct
Delinquency 60+ days0.33%37th pct28th pct
Net charge-off ratio0.16%53th pct38th pct
Loan growth YoY11.54%99th pct98th pct
Share growth YoY9.98%95th pct90th pct
Efficiency ratio87.49%68th pct57th pct

structural peer set hash: cc7b753f7fa17245367384e42c2d20e0… (reproducible)

Closest structural peers

MIDDLETOWN AREA SCHOOLS64.2%
#62877 · OH
WHITEWATER COMMUNITY63.1%
#61760 · OH
THE WEST TENNESSEE63.1%
#60726 · TN
CN/IC EMPLOYEES61.7%
#68069 · TN
I B E W 2661%
#10323 · MD
HEALTHPLUS60.2%
#5930 · MS
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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.