NUEVA ESPERANZA COMMUNITY
Charter #68603 · Toledo, OH · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 47.84% ranks in the 90th percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 2.00% ranks in the 79th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.10% ranks in the 10th percentile among structurally similar credit unions — a relative strength.
- On Net interest margin, the asset-size band puts this credit union at the 77th percentile but its structural peers at the 41st — a 36-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 | NUEVA ESPERANZA COMMUNITY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $4.42M | 54th pct | 52th pct |
| Members | 810 | 71th pct | 62th pct |
| Net worth ratio | 47.84% | 97th pct | 90th pct |
| Return on average assets | 2.00% | 90th pct | 79th pct |
| Net interest margin | 4.97% | 77th pct | 41th pct |
| Cost of funds | 0.10% | 22th pct | 10th pct |
| Loan-to-share | 124.66% | 99th pct | 93th pct |
| Delinquency 60+ days | 1.82% | 66th pct | 62th pct |
| Net charge-off ratio | 0.14% | 75th pct | 62th pct |
| Loan growth YoY | -8.85% | 33th pct | 15th pct |
| Share growth YoY | -0.08% | 49th pct | 52th pct |
| Efficiency ratio | 66.46% | 22th pct | 26th pct |
structural peer set hash: 5518a6c0c7d6bcbe00a732d5200ad59d… (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.