FOCUS
Charter #66451 · Menomonee Falls, WI · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 1.32% ranks in the 85th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 4.80% ranks in the 75th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 0.30% ranks in the 15th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 72.93% ranks in the 23rd percentile among structurally similar credit unions — a relative strength.
- On Members, the asset-size band puts this credit union at the 72nd percentile but its structural peers at the 44th — a 28-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 | FOCUS | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $61.26M | 27th pct | 44th pct |
| Members | 6,438 | 72th pct | 44th pct |
| Net worth ratio | 13.76% | 60th pct | 52th pct |
| Return on average assets | 1.32% | 79th pct | 85th pct |
| Net interest margin | 4.80% | 93th pct | 75th pct |
| Cost of funds | 0.66% | 32th pct | 28th pct |
| Loan-to-share | 87.35% | 93th pct | 82th pct |
| Delinquency 60+ days | 0.30% | 29th pct | 15th pct |
| Net charge-off ratio | 0.36% | 61th pct | 39th pct |
| Loan growth YoY | -2.14% | 43th pct | 34th pct |
| Share growth YoY | -0.49% | 14th pct | 16th pct |
| Efficiency ratio | 72.93% | 31th pct | 23th pct |
structural peer set hash: 7a7fd6e966bd1d69fa27ea2a188ab8a7… (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.