DAY AIR
Charter #66835 · Kettering, OH · $500M-$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 14.50% ranks in the 93rd percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 2.20% ranks in the 97th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 2.37% sits at the 89th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 0.86% sits at the 79th percentile of structural peers — worth a closer look.
- Efficiency ratio of 50.62% ranks in the 2nd 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 | DAY AIR | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $892.88M | 84th pct | 33th pct |
| Members | 53,982 | 80th pct | 30th pct |
| Net worth ratio | 14.50% | 91th pct | 93th pct |
| Return on average assets | 2.20% | 98th pct | 97th pct |
| Net interest margin | 3.39% | 40th pct | 30th pct |
| Cost of funds | 2.37% | 92th pct | 89th pct |
| Loan-to-share | 94.41% | 90th pct | 74th pct |
| Delinquency 60+ days | 0.86% | 71th pct | 79th pct |
| Net charge-off ratio | 0.63% | 70th pct | 64th pct |
| Loan growth YoY | -3.50% | 8th pct | 2th pct |
| Share growth YoY | 2.56% | 28th pct | 23th pct |
| Efficiency ratio | 50.62% | 3th pct | 2th pct |
structural peer set hash: a4fad29abe14b3021f5a44a13030e17c… (reproducible)
Closest structural peers
This is the free public view
Claim DAY AIR
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.