NOVA
Charter #63425 · CHARLOTTE, NC · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 17.58% ranks in the 89th percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 0.40% sits at the 15th percentile of structural peers — worth a closer look.
- Efficiency ratio of 91.86% sits at the 95th percentile of structural peers — worth a closer look.
- On Net interest margin, the asset-size band puts this credit union at the 68th percentile but its structural peers at the 36th — a 32-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 | NOVA | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $120.65M | 14th pct | 21th pct |
| Members | 11,107 | 38th pct | 44th pct |
| Net worth ratio | 17.58% | 94th pct | 89th pct |
| Return on average assets | 0.40% | 29th pct | 15th pct |
| Net interest margin | 3.93% | 68th pct | 36th pct |
| Cost of funds | 0.53% | 20th pct | 28th pct |
| Loan-to-share | 76.70% | 60th pct | 49th pct |
| Delinquency 60+ days | 0.42% | 33th pct | 26th pct |
| Net charge-off ratio | 0.44% | 57th pct | 44th pct |
| Loan growth YoY | 1.99% | 66th pct | 70th pct |
| Share growth YoY | 2.97% | 42th pct | 49th pct |
| Efficiency ratio | 91.86% | 89th pct | 95th pct |
structural peer set hash: b1017ff93a24d44eeec8a672be037ce4… (reproducible)
Closest structural peers
This is the free public view
Claim NOVA
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.