HEALTHCARE ASSOCIATES
Charter #65421 · Lisle, IL · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 14.27% ranks in the 77th percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 0.44% sits at the 23rd percentile of structural peers — worth a closer look.
- Net interest margin of 3.38% sits at the 13th percentile of structural peers — worth a closer look.
- Cost of funds of 2.09% sits at the 95th percentile of structural peers — worth a closer look.
- On Members, the asset-size band puts this credit union at the 93rd percentile but its structural peers at the 70th — a 23-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 | HEALTHCARE ASSOCIATES | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $486.40M | 99th pct | 92th pct |
| Members | 29,705 | 93th pct | 70th pct |
| Net worth ratio | 14.27% | 81th pct | 77th pct |
| Return on average assets | 0.44% | 32th pct | 23th pct |
| Net interest margin | 3.38% | 34th pct | 13th pct |
| Cost of funds | 2.09% | 91th pct | 95th pct |
| Loan-to-share | 83.08% | 76th pct | 74th pct |
| Delinquency 60+ days | 0.58% | 47th pct | 51th pct |
| Net charge-off ratio | 0.40% | 54th pct | 46th pct |
| Loan growth YoY | -0.03% | 47th pct | 43th pct |
| Share growth YoY | 4.12% | 59th pct | 63th pct |
| Efficiency ratio | 78.38% | 49th pct | 54th pct |
structural peer set hash: 6d83c714bbb91c8c5cb04828bd7a19c9… (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.