INTERSTATE
Charter #68717 · Jesup, GA · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 15.03% ranks in the 85th percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 1.97% ranks in the 97th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 2.18% sits at the 82nd percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 0.31% ranks in the 25th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.24% ranks in the 16th percentile among structurally similar credit unions — a relative strength.
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 | INTERSTATE | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $408.14M | 90th pct | 69th pct |
| Members | 35,896 | 97th pct | 70th pct |
| Net worth ratio | 15.03% | 85th pct | 85th pct |
| Return on average assets | 1.97% | 96th pct | 97th pct |
| Net interest margin | 3.82% | 62th pct | 48th pct |
| Cost of funds | 2.18% | 92th pct | 82th pct |
| Loan-to-share | 94.49% | 95th pct | 90th pct |
| Delinquency 60+ days | 0.31% | 23th pct | 25th pct |
| Net charge-off ratio | 0.24% | 37th pct | 16th pct |
| Loan growth YoY | -1.85% | 26th pct | 7th pct |
| Share growth YoY | 3.25% | 47th pct | 33th pct |
| Efficiency ratio | 61.32% | 10th pct | 7th pct |
structural peer set hash: 690f36715318b8c9a1ca4688612cb363… (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.