FRONTIER
Charter #68376 · Idaho Falls, ID · $500M-$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 8.76% sits at the 11th percentile of structural peers — worth a closer look.
- Cost of funds of 0.60% ranks in the 20th percentile among structurally similar credit unions — a relative strength.
- On Members, the asset-size band puts this credit union at the 78th percentile but its structural peers at the 30th — a 48-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 | FRONTIER | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $810.23M | 71th pct | 26th pct |
| Members | 53,045 | 78th pct | 30th pct |
| Net worth ratio | 8.76% | 15th pct | 11th pct |
| Return on average assets | 0.67% | 53th pct | 49th pct |
| Net interest margin | 3.80% | 73th pct | 54th pct |
| Cost of funds | 0.60% | 15th pct | 20th pct |
| Loan-to-share | 91.21% | 82th pct | 61th pct |
| Delinquency 60+ days | 0.51% | 42th pct | 38th pct |
| Net charge-off ratio | 0.82% | 80th pct | 74th pct |
| Loan growth YoY | 11.75% | 96th pct | 93th pct |
| Share growth YoY | 4.83% | 64th pct | 44th pct |
| Efficiency ratio | 76.94% | 45th pct | 57th pct |
structural peer set hash: 764050347d4d576177a3a5cfbd6fba7d… (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.