COOPERATIVE CHOICE NETWORK
Charter #63783 · PEORIA, IL · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 0.31% sits at the 13th percentile of structural peers — worth a closer look.
- Net interest margin of 2.86% sits at the 3rd percentile of structural peers — worth a closer look.
- Cost of funds of 2.15% sits at the 97th percentile of structural peers — worth a closer look.
- Efficiency ratio of 82.33% sits at the 79th percentile of structural peers — worth a closer look.
- On Loan-to-share, the asset-size band puts this credit union at the 28th percentile but its structural peers at the 48th — a 19-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 | COOPERATIVE CHOICE NETWORK | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $207.19M | 53th pct | 62th pct |
| Members | 12,320 | 46th pct | 46th pct |
| Net worth ratio | 12.55% | 64th pct | 62th pct |
| Return on average assets | 0.31% | 23th pct | 13th pct |
| Net interest margin | 2.86% | 10th pct | 3th pct |
| Cost of funds | 2.15% | 92th pct | 97th pct |
| Loan-to-share | 60.78% | 28th pct | 48th pct |
| Delinquency 60+ days | 0.31% | 23th pct | 28th pct |
| Net charge-off ratio | 0.32% | 46th pct | 30th pct |
| Loan growth YoY | -1.70% | 27th pct | 33th pct |
| Share growth YoY | 4.64% | 66th pct | 59th pct |
| Efficiency ratio | 82.33% | 64th pct | 79th pct |
structural peer set hash: 3a75562be9b739eabe42bcf376ebb682… (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.