HEALTHSHARE
Charter #66317 · Greensboro, NC · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Net interest margin of 4.47% ranks in the 82nd percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.47% sits at the 85th percentile of structural peers — worth a closer look.
- On Loan-to-share, the asset-size band puts this credit union at the 96th percentile but its structural peers at the 70th — a 25-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 | HEALTHSHARE | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $50.18M | 1th pct | 13th pct |
| Members | 5,727 | 60th pct | 59th pct |
| Net worth ratio | 13.50% | 58th pct | 54th pct |
| Return on average assets | 0.71% | 50th pct | 62th pct |
| Net interest margin | 4.47% | 87th pct | 82th pct |
| Cost of funds | 1.16% | 64th pct | 39th pct |
| Loan-to-share | 90.32% | 96th pct | 70th pct |
| Delinquency 60+ days | 0.26% | 25th pct | 30th pct |
| Net charge-off ratio | 0.47% | 69th pct | 85th pct |
| Loan growth YoY | -0.05% | 64th pct | 54th pct |
| Share growth YoY | 2.03% | 41th pct | 41th pct |
| Efficiency ratio | 82.70% | 59th pct | 57th pct |
structural peer set hash: 15e15db424a4459038771a781f9fc65d… (reproducible)
Closest structural peers
This is the free public view
Claim HEALTHSHARE
Unlock the full operating picture — scenario modeling, deposit & collections packs, the governed action framework, and an exam-ready evidence binder with every number traced to its basis.
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.