STAGEPOINT
Charter #687 · Laramie, WY · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 8.55% sits at the 10th percentile of structural peers — worth a closer look.
- Net interest margin of 4.73% ranks in the 82nd percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 2.11% sits at the 80th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 0.40% ranks in the 23rd percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.91% sits at the 80th 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 | STAGEPOINT | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $128.89M | 19th pct | 31th pct |
| Members | 8,930 | 24th pct | 26th pct |
| Net worth ratio | 8.55% | 8th pct | 10th pct |
| Return on average assets | 0.79% | 57th pct | 62th pct |
| Net interest margin | 4.73% | 94th pct | 82th pct |
| Cost of funds | 2.11% | 91th pct | 80th pct |
| Loan-to-share | 91.63% | 91th pct | 80th pct |
| Delinquency 60+ days | 0.40% | 31th pct | 23th pct |
| Net charge-off ratio | 0.91% | 86th pct | 80th pct |
| Loan growth YoY | 5.43% | 89th pct | 75th pct |
| Share growth YoY | 1.61% | 23th pct | 23th pct |
| Efficiency ratio | 75.24% | 39th pct | 36th pct |
structural peer set hash: f17a954e0f3e8ab159b5631f00a12285… (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.