CARDINAL CREDIT UNION, INC.
Charter #68707 · Mentor, OH · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 0.12% sits at the 5th percentile of structural peers — worth a closer look.
- Net interest margin of 3.40% sits at the 10th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 0.18% ranks in the 23rd percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 94.13% sits at the 97th percentile of structural peers — worth a closer look.
- On Net interest margin, the asset-size band puts this credit union at the 35th percentile but its structural peers at the 10th — a 25-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 | CARDINAL CREDIT UNION, INC. | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $354.28M | 82th pct | 62th pct |
| Members | 23,771 | 86th pct | 64th pct |
| Net worth ratio | 10.18% | 30th pct | 41th pct |
| Return on average assets | 0.12% | 12th pct | 5th pct |
| Net interest margin | 3.40% | 35th pct | 10th pct |
| Cost of funds | 1.59% | 72th pct | 69th pct |
| Loan-to-share | 83.64% | 77th pct | 75th pct |
| Delinquency 60+ days | 0.78% | 64th pct | 72th pct |
| Net charge-off ratio | 0.18% | 29th pct | 23th pct |
| Loan growth YoY | 5.32% | 88th pct | 89th pct |
| Share growth YoY | 6.19% | 82th pct | 92th pct |
| Efficiency ratio | 94.13% | 93th pct | 97th pct |
structural peer set hash: b78bd1fc9434a3bb54bf48fde0812a76… (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.