INDIANA UNIVERSITY
Charter #68577 · BLOOMINGTON, IN · >$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Net interest margin of 2.87% sits at the 16th percentile of structural peers — worth a closer look.
- Cost of funds of 2.45% sits at the 85th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 0.08% ranks in the 10th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 66.39% ranks in the 20th percentile among structurally similar credit unions — a relative strength.
- On Members, the asset-size band puts this credit union at the 20th percentile but its structural peers at the 39th — a 20-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 | INDIANA UNIVERSITY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $2.06B | 45th pct | 57th pct |
| Members | 71,703 | 20th pct | 39th pct |
| Net worth ratio | 11.71% | 67th pct | 64th pct |
| Return on average assets | 1.03% | 75th pct | 69th pct |
| Net interest margin | 2.87% | 19th pct | 16th pct |
| Cost of funds | 2.45% | 85th pct | 85th pct |
| Loan-to-share | 86.22% | 49th pct | 41th pct |
| Delinquency 60+ days | 0.70% | 59th pct | 69th pct |
| Net charge-off ratio | 0.08% | 4th pct | 10th pct |
| Loan growth YoY | 4.08% | 75th pct | 75th pct |
| Share growth YoY | 6.54% | 79th pct | 77th pct |
| Efficiency ratio | 66.39% | 26th pct | 20th pct |
structural peer set hash: c5323d35582570eea88382a4f1ae8562… (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.