Innorve

SELFRELIANCE

Charter #7346 · Chicago, IL · >$1B

Public 5300 data · as of 2026Q1

What the numbers say

  • Net worth ratio of 12.63% ranks in the 84th percentile among structurally similar credit unions — a relative strength.
  • Cost of funds of 3.42% sits at the 97th percentile of structural peers — worth a closer look.
  • Delinquency 60+ days of 1.11% sits at the 75th percentile of structural peers — worth a closer look.
  • On Total assets, the asset-size band puts this credit union at the 10th percentile but its structural peers at the 54th — a 44-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.

MetricSELFRELIANCEAsset-tier percentileStructural percentile
Total assets$1.13B10th pct54th pct
Members48,7853th pct44th pct
Net worth ratio12.63%77th pct84th pct
Return on average assets0.66%46th pct64th pct
Net interest margin2.79%17th pct34th pct
Cost of funds3.42%98th pct97th pct
Loan-to-share73.27%19th pct28th pct
Delinquency 60+ days1.11%83th pct75th pct
Net charge-off ratio0.36%29th pct67th pct
Loan growth YoY3.91%73th pct82th pct
Share growth YoY2.95%30th pct54th pct
Efficiency ratio75.86%62th pct26th pct

structural peer set hash: 5a54924f3962118e62b98821530946de… (reproducible)

Closest structural peers

GREAT LAKES62.3%
#60238 · IL
IDB GLOBAL60.6%
#14176 · DC
WHITEFISH CREDIT UNION ASSOCIATION60.4%
#61949 · MT
PITTSFORD60.3%
#19085 · NY
BLUPEAK59.1%
#60801 · CA
ALIGN58.7%
#66365 · MA
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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.