JOURNEY
Charter #64361 · Des Moines, IA · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 16.71% ranks in the 79th percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 1.53% ranks in the 82nd percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 2.01% sits at the 95th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 1.38% sits at the 87th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 0.70% sits at the 85th 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 | JOURNEY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $96.18M | 96th pct | 67th pct |
| Members | 5,153 | 53th pct | 43th pct |
| Net worth ratio | 16.71% | 80th pct | 79th pct |
| Return on average assets | 1.53% | 86th pct | 82th pct |
| Net interest margin | 3.72% | 52th pct | 38th pct |
| Cost of funds | 2.01% | 92th pct | 95th pct |
| Loan-to-share | 70.37% | 68th pct | 51th pct |
| Delinquency 60+ days | 1.38% | 83th pct | 87th pct |
| Net charge-off ratio | 0.70% | 81th pct | 85th pct |
| Loan growth YoY | 1.87% | 78th pct | 66th pct |
| Share growth YoY | 5.09% | 74th pct | 67th pct |
| Efficiency ratio | 60.18% | 11th pct | 8th pct |
structural peer set hash: 31614104c799bfc6ee95e3e6d6246659… (reproducible)
Closest structural peers
This is the free public view
Claim JOURNEY
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.