UPWARD
Charter #65323 · Burlingame, CA · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Net interest margin of 4.05% ranks in the 82nd percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 0.07% ranks in the 16th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of -0.00% ranks in the 16th percentile among structurally similar credit unions — a relative strength.
- On Net worth ratio, the asset-size band puts this credit union at the 32nd percentile but its structural peers at the 62nd — a 31-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 | UPWARD | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $93.70M | 90th pct | 72th pct |
| Members | 4,267 | 33th pct | 38th pct |
| Net worth ratio | 11.08% | 32th pct | 62th pct |
| Return on average assets | 0.68% | 48th pct | 72th pct |
| Net interest margin | 4.05% | 69th pct | 82th pct |
| Cost of funds | 0.68% | 33th pct | 31th pct |
| Loan-to-share | 61.86% | 52th pct | 54th pct |
| Delinquency 60+ days | 0.07% | 9th pct | 16th pct |
| Net charge-off ratio | -0.00% | 13th pct | 16th pct |
| Loan growth YoY | 0.59% | 68th pct | 69th pct |
| Share growth YoY | -1.54% | 8th pct | 11th pct |
| Efficiency ratio | 83.40% | 61th pct | 34th pct |
structural peer set hash: 7af5caa69f7a36ecce8c6b83e8410c55… (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.