COMMUNITY SPIRIT CREDIT UNION
Charter #65493 · Lawrenceburg, IN · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 9.43% sits at the 23rd percentile of structural peers — worth a closer look.
- Return on average assets of 0.15% sits at the 21st percentile of structural peers — worth a closer look.
- Net interest margin of 2.99% sits at the 13th percentile of structural peers — worth a closer look.
- Cost of funds of 1.62% sits at the 89th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 2.72% sits at the 92nd 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 | COMMUNITY SPIRIT CREDIT UNION | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $23.29M | 44th pct | 30th pct |
| Members | 2,049 | 48th pct | 36th pct |
| Net worth ratio | 9.43% | 14th pct | 23th pct |
| Return on average assets | 0.15% | 24th pct | 21th pct |
| Net interest margin | 2.99% | 16th pct | 13th pct |
| Cost of funds | 1.62% | 81th pct | 89th pct |
| Loan-to-share | 49.83% | 37th pct | 39th pct |
| Delinquency 60+ days | 2.72% | 91th pct | 92th pct |
| Net charge-off ratio | -0.02% | 17th pct | 18th pct |
| Loan growth YoY | -4.31% | 35th pct | 26th pct |
| Share growth YoY | 11.02% | 96th pct | 90th pct |
| Efficiency ratio | 94.33% | 81th pct | 85th pct |
structural peer set hash: 15903dfc76438e78060a3ebf38689a10… (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.