ONE
Charter #63923 · SPRINGFIELD, VT · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 7.77% sits at the 5th percentile of structural peers — worth a closer look.
- Return on average assets of 0.22% sits at the 18th percentile of structural peers — worth a closer look.
- Net interest margin of 4.17% ranks in the 85th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 1.06% sits at the 84th percentile of structural peers — worth a closer look.
- Efficiency ratio of 89.68% sits at the 82nd percentile of structural peers — worth a closer look.
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 | ONE | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $263.24M | 67th pct | 54th pct |
| Members | 18,255 | 71th pct | 64th pct |
| Net worth ratio | 7.77% | 2th pct | 5th pct |
| Return on average assets | 0.22% | 17th pct | 18th pct |
| Net interest margin | 4.17% | 80th pct | 85th pct |
| Cost of funds | 0.92% | 35th pct | 26th pct |
| Loan-to-share | 78.16% | 63th pct | 43th pct |
| Delinquency 60+ days | 1.06% | 78th pct | 84th pct |
| Net charge-off ratio | 0.46% | 60th pct | 61th pct |
| Loan growth YoY | -1.67% | 28th pct | 15th pct |
| Share growth YoY | 1.70% | 24th pct | 26th pct |
| Efficiency ratio | 89.68% | 85th pct | 82th pct |
structural peer set hash: b55ee813fa12a069afe7fbe04f9711d0… (reproducible)
Closest structural peers
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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.