EMERGENCY RESPONDERS
Charter #66354 · Winston Salem, NC · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 7.95% sits at the 15th percentile of structural peers — worth a closer look.
- Cost of funds of 0.46% ranks in the 20th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 3.42% sits at the 98th percentile of structural peers — worth a closer look.
- Efficiency ratio of 97.07% sits at the 90th percentile of structural peers — worth a closer look.
- On Members, the asset-size band puts this credit union at the 83rd percentile but its structural peers at the 49th — a 34-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 | EMERGENCY RESPONDERS | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $29.92M | 61th pct | 34th pct |
| Members | 3,380 | 83th pct | 49th pct |
| Net worth ratio | 7.95% | 5th pct | 15th pct |
| Return on average assets | 0.58% | 46th pct | 56th pct |
| Net interest margin | 4.47% | 77th pct | 56th pct |
| Cost of funds | 0.46% | 30th pct | 20th pct |
| Loan-to-share | 86.03% | 91th pct | 85th pct |
| Delinquency 60+ days | 0.81% | 61th pct | 49th pct |
| Net charge-off ratio | 3.42% | 98th pct | 98th pct |
| Loan growth YoY | 0.42% | 73th pct | 49th pct |
| Share growth YoY | 10.51% | 95th pct | 95th pct |
| Efficiency ratio | 97.07% | 86th pct | 90th pct |
structural peer set hash: d844bcfc734a71e5c1e29468ca75e268… (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.