CAMPUS USA
Charter #68391 · Gainesville, FL · >$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Net interest margin of 2.99% sits at the 8th percentile of structural peers — worth a closer look.
- Cost of funds of 2.39% sits at the 85th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 0.35% ranks in the 21st percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 62.67% ranks in the 23rd percentile among structurally similar credit unions — a relative strength.
- On Net interest margin, the asset-size band puts this credit union at the 26th percentile but its structural peers at the 8th — 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 | CAMPUS USA | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $3.97B | 73th pct | 75th pct |
| Members | 162,812 | 63th pct | 54th pct |
| Net worth ratio | 12.15% | 73th pct | 70th pct |
| Return on average assets | 1.22% | 82th pct | 70th pct |
| Net interest margin | 2.99% | 26th pct | 8th pct |
| Cost of funds | 2.39% | 82th pct | 85th pct |
| Loan-to-share | 96.03% | 82th pct | 66th pct |
| Delinquency 60+ days | 0.35% | 20th pct | 21th pct |
| Net charge-off ratio | 0.44% | 39th pct | 33th pct |
| Loan growth YoY | 5.37% | 84th pct | 82th pct |
| Share growth YoY | 6.82% | 81th pct | 70th pct |
| Efficiency ratio | 62.67% | 18th pct | 23th pct |
structural peer set hash: 6d2458f682f46f6f859f34c277846edd… (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.