CO-OP
Charter #66983 · Black River Fal, WI · $500M-$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 23,640 sits at the 18th percentile of structural peers — worth a closer look.
- Return on average assets of 1.15% ranks in the 85th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.06% ranks in the 13th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 63.60% ranks in the 8th percentile among structurally similar credit unions — a relative strength.
- On Cost of funds, the asset-size band puts this credit union at the 87th percentile but its structural peers at the 64th — a 23-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 | CO-OP | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $614.97M | 28th pct | 21th pct |
| Members | 23,640 | 5th pct | 18th pct |
| Net worth ratio | 11.48% | 65th pct | 62th pct |
| Return on average assets | 1.15% | 80th pct | 85th pct |
| Net interest margin | 3.13% | 26th pct | 43th pct |
| Cost of funds | 2.16% | 87th pct | 64th pct |
| Loan-to-share | 94.74% | 91th pct | 70th pct |
| Delinquency 60+ days | 0.46% | 36th pct | 48th pct |
| Net charge-off ratio | 0.06% | 5th pct | 13th pct |
| Loan growth YoY | 2.60% | 69th pct | 59th pct |
| Share growth YoY | 7.74% | 90th pct | 89th pct |
| Efficiency ratio | 63.60% | 11th pct | 8th pct |
structural peer set hash: 12cff39a8db89e0bfdb776a8983b5f65… (reproducible)
Closest structural peers
This is the free public view
Claim CO-OP
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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.