TOMAH AREA
Charter #66615 · Tomah, WI · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 6,670 sits at the 25th percentile of structural peers — worth a closer look.
- Net interest margin of 3.05% sits at the 25th percentile of structural peers — worth a closer look.
- Cost of funds of 1.53% sits at the 75th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 0.00% ranks in the 11th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 64.90% ranks in the 15th percentile among structurally similar credit unions — a relative strength.
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 | TOMAH AREA | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $123.71M | 15th pct | 21th pct |
| Members | 6,670 | 9th pct | 25th pct |
| Net worth ratio | 12.28% | 60th pct | 52th pct |
| Return on average assets | 1.24% | 80th pct | 74th pct |
| Net interest margin | 3.05% | 17th pct | 25th pct |
| Cost of funds | 1.53% | 68th pct | 75th pct |
| Loan-to-share | 55.54% | 19th pct | 31th pct |
| Delinquency 60+ days | 0.71% | 58th pct | 61th pct |
| Net charge-off ratio | 0.00% | 5th pct | 11th pct |
| Loan growth YoY | -0.89% | 37th pct | 38th pct |
| Share growth YoY | 6.53% | 85th pct | 84th pct |
| Efficiency ratio | 64.90% | 15th pct | 15th pct |
structural peer set hash: b8f96786205904bc8efbb7e98533ba8b… (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.