FELLOWSHIP
Charter #64852 · Lamar, CO · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Net interest margin of 4.49% ranks in the 77th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.14% ranks in the 7th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of -0.10% ranks in the 2nd percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 85.73% sits at the 80th percentile of structural peers — worth a closer look.
- On Members, the asset-size band puts this credit union at the 83rd percentile but its structural peers at the 54th — a 29-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 | FELLOWSHIP | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $65.53M | 38th pct | 25th pct |
| Members | 7,382 | 83th pct | 54th pct |
| Net worth ratio | 10.62% | 27th pct | 49th pct |
| Return on average assets | 0.74% | 52th pct | 34th pct |
| Net interest margin | 4.49% | 87th pct | 77th pct |
| Cost of funds | 0.14% | 8th pct | 7th pct |
| Loan-to-share | 94.48% | 97th pct | 93th pct |
| Delinquency 60+ days | 0.90% | 68th pct | 67th pct |
| Net charge-off ratio | -0.10% | 4th pct | 2th pct |
| Loan growth YoY | 10.98% | 99th pct | 88th pct |
| Share growth YoY | 20.17% | 100th pct | 95th pct |
| Efficiency ratio | 85.73% | 68th pct | 80th pct |
structural peer set hash: c8e68918f00df93b9a12de4c80fb7510… (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.