SERVE
Charter #65150 · DES MOINES, IA · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 4,977 sits at the 5th percentile of structural peers — worth a closer look.
- Net worth ratio of 17.70% ranks in the 85th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.44% ranks in the 25th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 0.84% sits at the 75th percentile of structural peers — worth a closer look.
- On Net interest margin, the asset-size band puts this credit union at the 73rd percentile but its structural peers at the 56th — a 17-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 | SERVE | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $100.95M | 1th pct | 10th pct |
| Members | 4,977 | 4th pct | 5th pct |
| Net worth ratio | 17.70% | 94th pct | 85th pct |
| Return on average assets | 1.14% | 77th pct | 69th pct |
| Net interest margin | 4.03% | 73th pct | 56th pct |
| Cost of funds | 0.44% | 17th pct | 25th pct |
| Loan-to-share | 87.69% | 85th pct | 74th pct |
| Delinquency 60+ days | 0.84% | 67th pct | 75th pct |
| Net charge-off ratio | 0.25% | 37th pct | 38th pct |
| Loan growth YoY | -2.49% | 21th pct | 8th pct |
| Share growth YoY | 3.17% | 45th pct | 52th pct |
| Efficiency ratio | 72.67% | 30th pct | 26th pct |
structural peer set hash: 3f87b0097db54b10cacb5a6ef1460abb… (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.