PROSPERA
Charter #66652 · APPLETON, WI · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 0.22% sits at the 13th percentile of structural peers — worth a closer look.
- Cost of funds of 2.00% sits at the 75th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 0.25% ranks in the 13th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 91.62% sits at the 87th percentile of structural peers — worth a closer look.
- On Loan growth YoY, the asset-size band puts this credit union at the 44th percentile but its structural peers at the 21st — a 23-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 | PROSPERA | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $378.82M | 86th pct | 67th pct |
| Members | 21,481 | 81th pct | 70th pct |
| Net worth ratio | 8.99% | 14th pct | 28th pct |
| Return on average assets | 0.22% | 18th pct | 13th pct |
| Net interest margin | 3.44% | 36th pct | 28th pct |
| Cost of funds | 2.00% | 88th pct | 75th pct |
| Loan-to-share | 94.97% | 96th pct | 84th pct |
| Delinquency 60+ days | 0.25% | 18th pct | 13th pct |
| Net charge-off ratio | 0.19% | 30th pct | 43th pct |
| Loan growth YoY | -0.26% | 44th pct | 21th pct |
| Share growth YoY | 2.59% | 37th pct | 34th pct |
| Efficiency ratio | 91.62% | 88th pct | 87th pct |
structural peer set hash: 1a8239ed4accdb9ee171ca53d361ffd2… (reproducible)
Closest structural peers
This is the free public view
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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.