MEMBERS SOURCE
Charter #68562 · Merrillville, IN · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Delinquency 60+ days of 1.47% sits at the 80th percentile of structural peers — worth a closer look.
- On Total assets, the asset-size band puts this credit union at the 89th percentile but its structural peers at the 70th — a 19-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 SOURCE | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $93.48M | 89th pct | 70th pct |
| Members | 6,006 | 66th pct | 62th pct |
| Net worth ratio | 13.53% | 58th pct | 72th pct |
| Return on average assets | 0.82% | 58th pct | 74th pct |
| Net interest margin | 3.67% | 49th pct | 51th pct |
| Cost of funds | 0.79% | 40th pct | 46th pct |
| Loan-to-share | 60.49% | 49th pct | 44th pct |
| Delinquency 60+ days | 1.47% | 86th pct | 80th pct |
| Net charge-off ratio | 0.09% | 31th pct | 44th pct |
| Loan growth YoY | -1.38% | 52th pct | 44th pct |
| Share growth YoY | -0.31% | 15th pct | 13th pct |
| Efficiency ratio | 82.11% | 57th pct | 43th pct |
structural peer set hash: e1ccee2ccc47b35f5011ba06a588580a… (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.