INDIANA MEMBERS
Charter #68259 · Indianapolis, IN · >$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Net interest margin of 3.05% sits at the 23rd percentile of structural peers — worth a closer look.
- Efficiency ratio of 69.43% ranks in the 25th percentile among structurally similar credit unions — a relative strength.
- On Cost of funds, the asset-size band puts this credit union at the 51st percentile but its structural peers at the 69th — a 17-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 | INDIANA MEMBERS | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $3.54B | 70th pct | 70th pct |
| Members | 165,204 | 64th pct | 64th pct |
| Net worth ratio | 10.54% | 46th pct | 38th pct |
| Return on average assets | 0.97% | 71th pct | 74th pct |
| Net interest margin | 3.05% | 31th pct | 23th pct |
| Cost of funds | 1.80% | 51th pct | 69th pct |
| Loan-to-share | 68.86% | 13th pct | 21th pct |
| Delinquency 60+ days | 0.43% | 29th pct | 26th pct |
| Net charge-off ratio | 0.39% | 33th pct | 41th pct |
| Loan growth YoY | 4.30% | 76th pct | 80th pct |
| Share growth YoY | 2.36% | 22th pct | 24th pct |
| Efficiency ratio | 69.43% | 39th pct | 25th pct |
structural peer set hash: 3899769205e208a0fc7035d9a7a4b459… (reproducible)
Closest structural peers
This is the free public view
Claim INDIANA MEMBERS
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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.