CODE
Charter #66840 · Dayton, OH · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 1.11% ranks in the 79th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 3.40% sits at the 23rd percentile of structural peers — worth a closer look.
- Cost of funds of 1.34% sits at the 75th percentile of structural peers — worth a closer look.
- Efficiency ratio of 72.30% ranks in the 20th percentile among structurally similar credit unions — a relative strength.
- On Cost of funds, the asset-size band puts this credit union at the 57th percentile but its structural peers at the 75th — a 18-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 | CODE | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $176.74M | 42th pct | 39th pct |
| Members | 13,095 | 50th pct | 43th pct |
| Net worth ratio | 11.96% | 56th pct | 62th pct |
| Return on average assets | 1.11% | 75th pct | 79th pct |
| Net interest margin | 3.40% | 35th pct | 23th pct |
| Cost of funds | 1.34% | 57th pct | 75th pct |
| Loan-to-share | 64.82% | 35th pct | 39th pct |
| Delinquency 60+ days | 0.75% | 61th pct | 70th pct |
| Net charge-off ratio | 0.49% | 64th pct | 62th pct |
| Loan growth YoY | -3.34% | 14th pct | 18th pct |
| Share growth YoY | 2.85% | 41th pct | 44th pct |
| Efficiency ratio | 72.30% | 30th pct | 20th pct |
structural peer set hash: 12e8d07daf9d0c27bf1d66087caa764b… (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.