LATINO COMMUNITY
Charter #68430 · Durham, NC · >$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 125,782 ranks in the 79th percentile among structurally similar credit unions — a relative strength.
- Net worth ratio of 23.78% ranks in the 93rd percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 4.58% ranks in the 92nd percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 2.64% sits at the 80th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 1.34% sits at the 89th percentile of structural peers — worth a closer look.
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 | LATINO COMMUNITY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $1.05B | 3th pct | 39th pct |
| Members | 125,782 | 52th pct | 79th pct |
| Net worth ratio | 23.78% | 100th pct | 93th pct |
| Return on average assets | 0.67% | 46th pct | 44th pct |
| Net interest margin | 4.58% | 97th pct | 92th pct |
| Cost of funds | 2.64% | 89th pct | 80th pct |
| Loan-to-share | 114.22% | 99th pct | 93th pct |
| Delinquency 60+ days | 1.34% | 91th pct | 89th pct |
| Net charge-off ratio | 0.51% | 49th pct | 70th pct |
| Loan growth YoY | -0.09% | 25th pct | 21th pct |
| Share growth YoY | -0.50% | 4th pct | 7th pct |
| Efficiency ratio | 80.61% | 79th pct | 69th pct |
structural peer set hash: 1f7962eafb8022e29e9e64fce207348a… (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.