UNIVERSITY
Charter #67348 · MIAMI, FL · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Net interest margin of 2.68% sits at the 11th percentile of structural peers — worth a closer look.
- Cost of funds of 0.25% ranks in the 10th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 0.19% ranks in the 10th 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 | UNIVERSITY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $233.36M | 60th pct | 57th pct |
| Members | 16,134 | 64th pct | 59th pct |
| Net worth ratio | 10.48% | 34th pct | 38th pct |
| Return on average assets | 0.22% | 18th pct | 28th pct |
| Net interest margin | 2.68% | 6th pct | 11th pct |
| Cost of funds | 0.25% | 11th pct | 10th pct |
| Loan-to-share | 49.75% | 12th pct | 18th pct |
| Delinquency 60+ days | 0.19% | 12th pct | 10th pct |
| Net charge-off ratio | 0.45% | 60th pct | 67th pct |
| Loan growth YoY | 7.51% | 95th pct | 92th pct |
| Share growth YoY | -0.42% | 7th pct | 13th pct |
| Efficiency ratio | 88.10% | 80th pct | 69th pct |
structural peer set hash: 88326bc73034e1ffc74b0b73fb417f23… (reproducible)
Closest structural peers
This is the free public view
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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.