MONEY ONE
Charter #7264 · LARGO, MD · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 6,661 sits at the 8th percentile of structural peers — worth a closer look.
- Net interest margin of 3.25% sits at the 15th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 1.09% sits at the 82nd percentile of structural peers — worth a closer look.
- Net charge-off ratio of 0.13% ranks in the 25th percentile among structurally similar credit unions — a relative strength.
- On Net worth ratio, the asset-size band puts this credit union at the 50th percentile but its structural peers at the 69th — a 19-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 | MONEY ONE | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $107.51M | 5th pct | 3th pct |
| Members | 6,661 | 9th pct | 8th pct |
| Net worth ratio | 11.44% | 50th pct | 69th pct |
| Return on average assets | 0.61% | 43th pct | 56th pct |
| Net interest margin | 3.25% | 26th pct | 15th pct |
| Cost of funds | 1.60% | 73th pct | 57th pct |
| Loan-to-share | 88.63% | 87th pct | 69th pct |
| Delinquency 60+ days | 1.09% | 79th pct | 82th pct |
| Net charge-off ratio | 0.13% | 22th pct | 25th pct |
| Loan growth YoY | 1.74% | 64th pct | 61th pct |
| Share growth YoY | -2.83% | 1th pct | 2th pct |
| Efficiency ratio | 88.80% | 82th pct | 67th pct |
structural peer set hash: 97ced99f9011dbfb401f86121bd59867… (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.