FINEX
Charter #68662 · East Hartford, CT · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 16,083 ranks in the 77th percentile among structurally similar credit unions — a relative strength.
- Net worth ratio of 8.61% sits at the 25th percentile of structural peers — worth a closer look.
- Cost of funds of 0.75% ranks in the 23rd percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 1.31% sits at the 77th percentile of structural peers — worth a closer look.
- Efficiency ratio of 93.31% sits at the 84th 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 | FINEX | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $134.15M | 23th pct | 33th pct |
| Members | 16,083 | 63th pct | 77th pct |
| Net worth ratio | 8.61% | 9th pct | 25th pct |
| Return on average assets | 0.32% | 24th pct | 34th pct |
| Net interest margin | 4.02% | 72th pct | 69th pct |
| Cost of funds | 0.75% | 27th pct | 23th pct |
| Loan-to-share | 81.03% | 71th pct | 56th pct |
| Delinquency 60+ days | 1.31% | 86th pct | 77th pct |
| Net charge-off ratio | 0.52% | 67th pct | 69th pct |
| Loan growth YoY | -0.03% | 48th pct | 49th pct |
| Share growth YoY | 0.30% | 11th pct | 18th pct |
| Efficiency ratio | 93.31% | 91th pct | 84th pct |
structural peer set hash: 11f5b24152de2775c05654e0db0330a7… (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.