CONNECTS
Charter #6670 · Richmond, VA · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 5.34% sits at the 0th percentile of structural peers — worth a closer look.
- Return on average assets of -4.83% sits at the 0th percentile of structural peers — worth a closer look.
- Net interest margin of 5.75% ranks in the 98th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 1.61% sits at the 85th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 1.91% sits at the 98th percentile of structural peers — worth a closer look.
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 | CONNECTS | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $101.54M | 2th pct | 10th pct |
| Members | 15,831 | 62th pct | 66th pct |
| Net worth ratio | 5.34% | 0th pct | 0th pct |
| Return on average assets | -4.83% | 0th pct | 0th pct |
| Net interest margin | 5.75% | 100th pct | 98th pct |
| Cost of funds | 1.62% | 73th pct | 70th pct |
| Loan-to-share | 79.63% | 67th pct | 54th pct |
| Delinquency 60+ days | 1.61% | 91th pct | 85th pct |
| Net charge-off ratio | 1.91% | 98th pct | 98th pct |
| Loan growth YoY | 0.22% | 50th pct | 49th pct |
| Share growth YoY | -4.74% | 1th pct | 2th pct |
| Efficiency ratio | 114.86% | 99th pct | 97th pct |
structural peer set hash: 9e36166474e74b6e19bae00bef6955a9… (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.