THE WAY
Charter #66066 · New Knoxville, OH · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 735 sits at the 5th percentile of structural peers — worth a closer look.
- Net worth ratio of 8.70% sits at the 10th percentile of structural peers — worth a closer look.
- Net interest margin of 2.32% sits at the 20th percentile of structural peers — worth a closer look.
- Cost of funds of 1.41% sits at the 77th percentile of structural peers — worth a closer look.
- On Net interest margin, the asset-size band puts this credit union at the 4th percentile but its structural peers at the 20th — a 16-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 | THE WAY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $15.61M | 22th pct | 15th pct |
| Members | 735 | 1th pct | 5th pct |
| Net worth ratio | 8.70% | 9th pct | 10th pct |
| Return on average assets | 0.62% | 48th pct | 46th pct |
| Net interest margin | 2.32% | 4th pct | 20th pct |
| Cost of funds | 1.41% | 76th pct | 77th pct |
| Loan-to-share | 0.00% | 0th pct | 0th pct |
| Delinquency 60+ days | — | — | — |
| Net charge-off ratio | — | — | — |
| Loan growth YoY | — | — | — |
| Share growth YoY | 4.93% | 74th pct | 77th pct |
| Efficiency ratio | 73.65% | 34th pct | 41th pct |
structural peer set hash: 0088c69ffe706db3d326244876951023… (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.