OSHKOSH COMMUNITY
Charter #66779 · Oshkosh, WI · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of -0.39% sits at the 16th percentile of structural peers — worth a closer look.
- Cost of funds of 0.57% ranks in the 18th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 1.56% sits at the 90th percentile of structural peers — worth a closer look.
- Efficiency ratio of 92.85% sits at the 80th percentile of structural peers — worth a closer look.
- On Members, the asset-size band puts this credit union at the 51st percentile but its structural peers at the 26th — a 25-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 | OSHKOSH COMMUNITY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $20.42M | 37th pct | 28th pct |
| Members | 2,123 | 51th pct | 26th pct |
| Net worth ratio | 10.95% | 26th pct | 49th pct |
| Return on average assets | -0.39% | 11th pct | 16th pct |
| Net interest margin | 5.18% | 94th pct | 74th pct |
| Cost of funds | 0.57% | 36th pct | 18th pct |
| Loan-to-share | 85.16% | 90th pct | 75th pct |
| Delinquency 60+ days | 0.54% | 47th pct | 28th pct |
| Net charge-off ratio | 1.56% | 92th pct | 90th pct |
| Loan growth YoY | -2.65% | 48th pct | 31th pct |
| Share growth YoY | 4.94% | 74th pct | 59th pct |
| Efficiency ratio | 92.85% | 78th pct | 80th pct |
structural peer set hash: e3d9967cf8633277d08b7510fbeec50c… (reproducible)
Closest structural peers
This is the free public view
Claim OSHKOSH COMMUNITY
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.