MEMBERS' ADVANTAGE
Charter #66633 · Wisconsin Rapid, WI · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 18.91% ranks in the 89th percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 1.69% ranks in the 89th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 0.14% ranks in the 8th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 62.15% ranks in the 15th percentile among structurally similar credit unions — a relative strength.
- On Net charge-off ratio, the asset-size band puts this credit union at the 39th percentile but its structural peers at the 61st — 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 | MEMBERS' ADVANTAGE | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $183.52M | 45th pct | 46th pct |
| Members | 11,192 | 39th pct | 43th pct |
| Net worth ratio | 18.91% | 96th pct | 89th pct |
| Return on average assets | 1.69% | 92th pct | 89th pct |
| Net interest margin | 3.92% | 68th pct | 52th pct |
| Cost of funds | 1.18% | 48th pct | 46th pct |
| Loan-to-share | 82.16% | 74th pct | 59th pct |
| Delinquency 60+ days | 0.14% | 9th pct | 8th pct |
| Net charge-off ratio | 0.26% | 39th pct | 61th pct |
| Loan growth YoY | -0.23% | 45th pct | 34th pct |
| Share growth YoY | 1.00% | 17th pct | 15th pct |
| Efficiency ratio | 62.15% | 11th pct | 15th pct |
structural peer set hash: 25c06ab0b4a48817ddd7bd60e40a0bae… (reproducible)
Closest structural peers
This is the free public view
Claim MEMBERS' ADVANTAGE
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.