ORLANDO
Charter #68706 · Orlando, FL · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 27,433 ranks in the 79th percentile among structurally similar credit unions — a relative strength.
- Net worth ratio of 9.22% sits at the 25th percentile of structural peers — worth a closer look.
- Return on average assets of 0.30% sits at the 21st percentile of structural peers — worth a closer look.
- Net charge-off ratio of 1.13% sits at the 93rd percentile of structural peers — worth a closer look.
- On Total assets, the asset-size band puts this credit union at the 84th percentile but its structural peers at the 64th — a 20-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 | ORLANDO | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $364.21M | 84th pct | 64th pct |
| Members | 27,433 | 91th pct | 79th pct |
| Net worth ratio | 9.22% | 17th pct | 25th pct |
| Return on average assets | 0.30% | 23th pct | 21th pct |
| Net interest margin | 3.80% | 60th pct | 49th pct |
| Cost of funds | 1.19% | 49th pct | 38th pct |
| Loan-to-share | 83.06% | 76th pct | 62th pct |
| Delinquency 60+ days | 0.78% | 64th pct | 69th pct |
| Net charge-off ratio | 1.13% | 92th pct | 93th pct |
| Loan growth YoY | 4.10% | 82th pct | 82th pct |
| Share growth YoY | 5.48% | 76th pct | 87th pct |
| Efficiency ratio | 80.80% | 58th pct | 59th pct |
structural peer set hash: 1791d20c267b084266c5606e17ffbf4c… (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.