INSIGHT
Charter #67344 · WINTER SPRINGS, FL · $500M-$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of -0.11% sits at the 3rd percentile of structural peers — worth a closer look.
- Net interest margin of 3.03% sits at the 16th percentile of structural peers — worth a closer look.
- Cost of funds of 0.35% ranks in the 20th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 1.12% sits at the 84th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 0.85% sits at the 89th percentile of structural peers — worth a closer look.
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 | INSIGHT | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $659.83M | 39th pct | 49th pct |
| Members | 42,981 | 53th pct | 54th pct |
| Net worth ratio | 9.88% | 39th pct | 31th pct |
| Return on average assets | -0.11% | 4th pct | 3th pct |
| Net interest margin | 3.03% | 22th pct | 16th pct |
| Cost of funds | 0.35% | 12th pct | 20th pct |
| Loan-to-share | 62.66% | 13th pct | 26th pct |
| Delinquency 60+ days | 1.12% | 83th pct | 84th pct |
| Net charge-off ratio | 0.85% | 81th pct | 89th pct |
| Loan growth YoY | -3.24% | 9th pct | 10th pct |
| Share growth YoY | 1.46% | 17th pct | 15th pct |
| Efficiency ratio | 93.08% | 96th pct | 97th pct |
structural peer set hash: 6c3eb68779468787a8eb9c62ff6626cc… (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.