VALLEY COMMUNITIES
Charter #66430 · Mosinee, WI · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Net charge-off ratio of -0.06% ranks in the 0th percentile among structurally similar credit unions — a relative strength.
- On Net interest margin, the asset-size band puts this credit union at the 42nd percentile but its structural peers at the 64th — a 22-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 | VALLEY COMMUNITIES | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $304.60M | 74th pct | 66th pct |
| Members | 15,964 | 63th pct | 64th pct |
| Net worth ratio | 12.87% | 68th pct | 62th pct |
| Return on average assets | 1.04% | 71th pct | 59th pct |
| Net interest margin | 3.53% | 42th pct | 64th pct |
| Cost of funds | 1.24% | 52th pct | 52th pct |
| Loan-to-share | 58.92% | 25th pct | 36th pct |
| Delinquency 60+ days | 0.38% | 29th pct | 38th pct |
| Net charge-off ratio | -0.06% | 1th pct | 0th pct |
| Loan growth YoY | -0.60% | 40th pct | 34th pct |
| Share growth YoY | 4.89% | 70th pct | 70th pct |
| Efficiency ratio | 75.33% | 39th pct | 46th pct |
structural peer set hash: 095e7b7b9893ae5fb761b90c597f86b2… (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.