CS
Charter #66856 · Catawba, NC · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 17.95% ranks in the 79th percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 0.45% sits at the 18th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 0.09% ranks in the 21st percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 86.42% sits at the 85th percentile of structural peers — worth a closer look.
- On Return on average assets, the asset-size band puts this credit union at the 38th percentile but its structural peers at the 18th — a 20-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 | CS | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $31.51M | 64th pct | 54th pct |
| Members | 2,841 | 71th pct | 61th pct |
| Net worth ratio | 17.95% | 76th pct | 79th pct |
| Return on average assets | 0.45% | 38th pct | 18th pct |
| Net interest margin | 3.70% | 43th pct | 30th pct |
| Cost of funds | 0.73% | 45th pct | 39th pct |
| Loan-to-share | 61.92% | 57th pct | 48th pct |
| Delinquency 60+ days | 0.09% | 21th pct | 21th pct |
| Net charge-off ratio | 0.06% | 44th pct | 48th pct |
| Loan growth YoY | -5.12% | 29th pct | 25th pct |
| Share growth YoY | 6.52% | 84th pct | 77th pct |
| Efficiency ratio | 86.42% | 65th pct | 85th pct |
structural peer set hash: 5f7a09c14df3f3ede441382cb9d95b00… (reproducible)
Closest structural peers
This is the free public view
Claim CS
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.