ELEVATIONS
Charter #68565 · Boulder, CO · >$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 180,272 ranks in the 77th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 3.64% ranks in the 75th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.46% ranks in the 11th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.12% ranks in the 20th percentile among structurally similar credit unions — a relative strength.
- On Loan-to-share, the asset-size band puts this credit union at the 86th percentile but its structural peers at the 67th — 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 | ELEVATIONS | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $3.54B | 70th pct | 67th pct |
| Members | 180,272 | 69th pct | 77th pct |
| Net worth ratio | 11.39% | 63th pct | 72th pct |
| Return on average assets | 0.92% | 66th pct | 70th pct |
| Net interest margin | 3.64% | 69th pct | 75th pct |
| Cost of funds | 0.46% | 11th pct | 11th pct |
| Loan-to-share | 98.59% | 86th pct | 67th pct |
| Delinquency 60+ days | 0.42% | 28th pct | 34th pct |
| Net charge-off ratio | 0.12% | 8th pct | 20th pct |
| Loan growth YoY | 1.87% | 52th pct | 48th pct |
| Share growth YoY | 4.33% | 56th pct | 64th pct |
| Efficiency ratio | 81.48% | 82th pct | 72th pct |
structural peer set hash: 3d92c78d88327b5e54db67a6cd4d194a… (reproducible)
Closest structural peers
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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.