MEMBERS
Charter #68487 · Stamford, CT · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Net interest margin of 4.79% ranks in the 77th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.60% ranks in the 18th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.00% ranks in the 10th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 92.61% sits at the 90th percentile of structural peers — worth a closer look.
- On Total assets, the asset-size band puts this credit union at the 90th percentile but its structural peers at the 39th — a 51-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 | MEMBERS | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $43.88M | 90th pct | 39th pct |
| Members | 4,056 | 91th pct | 52th pct |
| Net worth ratio | 11.96% | 35th pct | 52th pct |
| Return on average assets | 0.41% | 36th pct | 31th pct |
| Net interest margin | 4.79% | 87th pct | 77th pct |
| Cost of funds | 0.60% | 38th pct | 18th pct |
| Loan-to-share | 97.65% | 98th pct | 93th pct |
| Delinquency 60+ days | 0.90% | 65th pct | 66th pct |
| Net charge-off ratio | 0.00% | 23th pct | 10th pct |
| Loan growth YoY | 1.92% | 82th pct | 61th pct |
| Share growth YoY | 3.37% | 60th pct | 57th pct |
| Efficiency ratio | 92.61% | 78th pct | 90th pct |
structural peer set hash: e6ce76fa3f98109030a8514628f2b422… (reproducible)
Closest structural peers
This is the free public view
Claim MEMBERS
Unlock the full operating picture — scenario modeling, deposit & collections packs, the governed action framework, and an exam-ready evidence binder with every number traced to its basis.
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.