ON TAP
Charter #64913 · Golden, CO · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 9.16% sits at the 23rd percentile of structural peers — worth a closer look.
- Return on average assets of 3.26% ranks in the 97th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 3.08% sits at the 8th percentile of structural peers — worth a closer look.
- Cost of funds of 0.36% ranks in the 18th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 1.25% sits at the 90th 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 | ON TAP | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $456.96M | 96th pct | 79th pct |
| Members | 19,362 | 75th pct | 48th pct |
| Net worth ratio | 9.16% | 16th pct | 23th pct |
| Return on average assets | 3.26% | 100th pct | 97th pct |
| Net interest margin | 3.08% | 17th pct | 8th pct |
| Cost of funds | 0.36% | 15th pct | 18th pct |
| Loan-to-share | 82.10% | 73th pct | 56th pct |
| Delinquency 60+ days | 1.25% | 85th pct | 90th pct |
| Net charge-off ratio | 0.45% | 59th pct | 62th pct |
| Loan growth YoY | 4.36% | 83th pct | 74th pct |
| Share growth YoY | 9.92% | 97th pct | 87th pct |
| Efficiency ratio | 49.42% | 2th pct | 0th pct |
structural peer set hash: 3c27fe21b4da5b8f97d3bb4f1743ab8b… (reproducible)
Closest structural peers
This is the free public view
Claim ON TAP
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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.