CITY-COUNTY EMPLOYEES
Charter #67323 · CLEARWATER, FL · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 8.24% sits at the 10th percentile of structural peers — worth a closer look.
- Net interest margin of 4.54% ranks in the 77th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.11% ranks in the 7th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 1.02% sits at the 82nd percentile of structural peers — worth a closer look.
- Efficiency ratio of 71.80% ranks in the 23rd 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 | CITY-COUNTY EMPLOYEES | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $42.24M | 87th pct | 72th pct |
| Members | 3,958 | 90th pct | 72th pct |
| Net worth ratio | 8.24% | 6th pct | 10th pct |
| Return on average assets | 0.81% | 58th pct | 66th pct |
| Net interest margin | 4.54% | 79th pct | 77th pct |
| Cost of funds | 0.11% | 7th pct | 7th pct |
| Loan-to-share | 66.41% | 64th pct | 51th pct |
| Delinquency 60+ days | 0.31% | 37th pct | 30th pct |
| Net charge-off ratio | 1.02% | 86th pct | 82th pct |
| Loan growth YoY | 1.42% | 79th pct | 64th pct |
| Share growth YoY | 3.69% | 63th pct | 51th pct |
| Efficiency ratio | 71.80% | 30th pct | 23th pct |
structural peer set hash: 0f44745bd0602a4a2274dd666c8bb8da… (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.