FORTRESS
Charter #7392 · Marion, IN · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 1.65% ranks in the 77th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 3.68% sits at the 23rd percentile of structural peers — worth a closer look.
- Cost of funds of 1.37% sits at the 75th percentile of structural peers — worth a closer look.
- Net charge-off ratio of -0.19% ranks in the 10th percentile among structurally similar credit unions — a relative strength.
- On Net interest margin, the asset-size band puts this credit union at the 42nd percentile but its structural peers at the 23rd — 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 | FORTRESS | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $21.73M | 40th pct | 46th pct |
| Members | 1,940 | 43th pct | 36th pct |
| Net worth ratio | 18.13% | 78th pct | 72th pct |
| Return on average assets | 1.65% | 89th pct | 77th pct |
| Net interest margin | 3.68% | 42th pct | 23th pct |
| Cost of funds | 1.37% | 73th pct | 75th pct |
| Loan-to-share | 65.54% | 63th pct | 52th pct |
| Delinquency 60+ days | 0.34% | 38th pct | 39th pct |
| Net charge-off ratio | -0.19% | 6th pct | 10th pct |
| Loan growth YoY | -4.03% | 38th pct | 34th pct |
| Share growth YoY | 3.72% | 63th pct | 59th pct |
| Efficiency ratio | 70.43% | 27th pct | 41th pct |
structural peer set hash: 20c6961578ed8e960d61819cfb783efb… (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.