SENTRY
Charter #66439 · Stevens Point, WI · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 7,160 sits at the 11th percentile of structural peers — worth a closer look.
- Net interest margin of 2.88% sits at the 8th percentile of structural peers — worth a closer look.
- Cost of funds of 1.77% sits at the 79th percentile of structural peers — worth a closer look.
- Efficiency ratio of 67.03% ranks in the 21st percentile among structurally similar credit unions — a relative strength.
- On Return on average assets, the asset-size band puts this credit union at the 59th percentile but its structural peers at the 43rd — 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 | SENTRY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $170.06M | 39th pct | 39th pct |
| Members | 7,160 | 13th pct | 11th pct |
| Net worth ratio | 12.42% | 63th pct | 67th pct |
| Return on average assets | 0.83% | 59th pct | 43th pct |
| Net interest margin | 2.88% | 10th pct | 8th pct |
| Cost of funds | 1.77% | 80th pct | 79th pct |
| Loan-to-share | 73.59% | 53th pct | 49th pct |
| Delinquency 60+ days | 0.40% | 31th pct | 38th pct |
| Net charge-off ratio | 0.09% | 17th pct | 30th pct |
| Loan growth YoY | 1.56% | 62th pct | 52th pct |
| Share growth YoY | 7.50% | 90th pct | 89th pct |
| Efficiency ratio | 67.03% | 19th pct | 21th pct |
structural peer set hash: 44bdd3728ca5761e3e4c5e9d7e3a0697… (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.