CONSUMERS
Charter #68588 · lake Forest, IL · >$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 282,016 ranks in the 75th percentile among structurally similar credit unions — a relative strength.
- Net worth ratio of 8.80% sits at the 13th percentile of structural peers — worth a closer look.
- Return on average assets of 0.23% sits at the 8th percentile of structural peers — worth a closer look.
- Cost of funds of 1.07% ranks in the 11th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 76.01% sits at the 75th 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 | CONSUMERS | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $4.57B | 78th pct | 75th pct |
| Members | 282,016 | 83th pct | 75th pct |
| Net worth ratio | 8.80% | 9th pct | 13th pct |
| Return on average assets | 0.23% | 11th pct | 8th pct |
| Net interest margin | 3.25% | 45th pct | 28th pct |
| Cost of funds | 1.07% | 22th pct | 11th pct |
| Loan-to-share | 85.36% | 46th pct | 28th pct |
| Delinquency 60+ days | 0.91% | 75th pct | 72th pct |
| Net charge-off ratio | 0.92% | 80th pct | 66th pct |
| Loan growth YoY | 2.49% | 61th pct | 59th pct |
| Share growth YoY | 4.68% | 60th pct | 52th pct |
| Efficiency ratio | 76.01% | 62th pct | 75th pct |
structural peer set hash: c4e84b2f1a09d26ee0b3b5359fc4506b… (reproducible)
Closest structural peers
This is the free public view
Claim CONSUMERS
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.