ST. LUDMILA S
Charter #65062 · Cedar Rapids, IA · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 98 sits at the 2nd percentile of structural peers — worth a closer look.
- Net worth ratio of 29.39% ranks in the 79th percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 1.70% ranks in the 85th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 0.00% ranks in the 0th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.00% ranks in the 18th percentile among structurally similar credit unions — a relative strength.
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 | ST. LUDMILA S | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | 375,328 | 7th pct | 3th pct |
| Members | 98 | 4th pct | 2th pct |
| Net worth ratio | 29.39% | 84th pct | 79th pct |
| Return on average assets | 1.70% | 86th pct | 85th pct |
| Net interest margin | 4.66% | 69th pct | 49th pct |
| Cost of funds | 0.25% | 35th pct | 26th pct |
| Loan-to-share | 83.30% | 81th pct | 56th pct |
| Delinquency 60+ days | 0.00% | 0th pct | 0th pct |
| Net charge-off ratio | 0.00% | 22th pct | 18th pct |
| Loan growth YoY | -9.12% | 32th pct | 33th pct |
| Share growth YoY | 9.33% | 93th pct | 92th pct |
| Efficiency ratio | 63.72% | 19th pct | 20th pct |
structural peer set hash: e4c103b487b2e45000e28d31ac5cc8f9… (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.