SHEBOYGAN AREA
Charter #66616 · Sheboygan, WI · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 15.22% ranks in the 75th percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 1.89% ranks in the 92nd percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.61% ranks in the 25th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of -0.03% ranks in the 8th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 61.92% 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 | SHEBOYGAN AREA | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $90.55M | 85th pct | 59th pct |
| Members | 6,879 | 79th pct | 66th pct |
| Net worth ratio | 15.22% | 72th pct | 75th pct |
| Return on average assets | 1.89% | 93th pct | 92th pct |
| Net interest margin | 3.89% | 60th pct | 46th pct |
| Cost of funds | 0.61% | 29th pct | 25th pct |
| Loan-to-share | 69.10% | 66th pct | 57th pct |
| Delinquency 60+ days | 0.33% | 32th pct | 28th pct |
| Net charge-off ratio | -0.03% | 8th pct | 8th pct |
| Loan growth YoY | 0.84% | 70th pct | 61th pct |
| Share growth YoY | 3.95% | 64th pct | 52th pct |
| Efficiency ratio | 61.92% | 12th pct | 15th pct |
structural peer set hash: 782042a3741d1d005febf3dc7e548326… (reproducible)
Closest structural peers
This is the free public view
Claim SHEBOYGAN AREA
Unlock the full operating picture — scenario modeling, deposit & collections packs, the governed action framework, and an exam-ready evidence binder with every number traced to its basis.
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.