TECH
Charter #68225 · Crown Point, IN · $500M-$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 0.33% sits at the 21st percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 1.27% sits at the 85th percentile of structural peers — worth a closer look.
- Efficiency ratio of 87.10% sits at the 85th percentile of structural peers — worth a closer look.
- On Cost of funds, the asset-size band puts this credit union at the 65th percentile but its structural peers at the 39th — a 26-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 | TECH | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $599.09M | 24th pct | 10th pct |
| Members | 38,366 | 42th pct | 31th pct |
| Net worth ratio | 9.33% | 24th pct | 28th pct |
| Return on average assets | 0.33% | 23th pct | 21th pct |
| Net interest margin | 3.57% | 56th pct | 56th pct |
| Cost of funds | 1.67% | 65th pct | 39th pct |
| Loan-to-share | 90.72% | 81th pct | 67th pct |
| Delinquency 60+ days | 1.27% | 88th pct | 85th pct |
| Net charge-off ratio | 0.22% | 24th pct | 28th pct |
| Loan growth YoY | 3.82% | 81th pct | 75th pct |
| Share growth YoY | 5.27% | 73th pct | 63th pct |
| Efficiency ratio | 87.10% | 83th pct | 85th pct |
structural peer set hash: 8a0db7205d33fc362a04b56de410be3e… (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.