ENT
Charter #68671 · Colorado Spring, CO · >$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 948,633 ranks in the 97th percentile among structurally similar credit unions — a relative strength.
- Return on average assets of -0.02% sits at the 7th percentile of structural peers — worth a closer look.
- Net interest margin of 4.77% ranks in the 89th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.19% ranks in the 13th percentile among structurally similar credit unions — a relative strength.
- On Efficiency ratio, the asset-size band puts this credit union at the 76th percentile but its structural peers at the 59th — a 17-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 | ENT | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $19.48B | 98th pct | 97th pct |
| Members | 948,633 | 98th pct | 97th pct |
| Net worth ratio | 11.54% | 65th pct | 62th pct |
| Return on average assets | -0.02% | 3th pct | 7th pct |
| Net interest margin | 4.77% | 98th pct | 89th pct |
| Cost of funds | 0.19% | 6th pct | 13th pct |
| Loan-to-share | 97.12% | 84th pct | 93th pct |
| Delinquency 60+ days | 0.51% | 38th pct | 31th pct |
| Net charge-off ratio | 0.63% | 60th pct | 67th pct |
| Loan growth YoY | 85.62% | 100th pct | 92th pct |
| Share growth YoY | 94.80% | 100th pct | 90th pct |
| Efficiency ratio | 79.65% | 76th pct | 59th pct |
structural peer set hash: 915eef08dcec6b621a9674e43912f723… (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.