YOUR LEGACY
Charter #7674 · Tiffin, OH · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 0.26% sits at the 13th percentile of structural peers — worth a closer look.
- Net interest margin of 4.43% ranks in the 93rd percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 1.01% sits at the 79th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 1.59% sits at the 97th percentile of structural peers — worth a closer look.
- On Total assets, the asset-size band puts this credit union at the 67th percentile but its structural peers at the 46th — a 21-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 | YOUR LEGACY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $79.24M | 67th pct | 46th pct |
| Members | 6,460 | 73th pct | 59th pct |
| Net worth ratio | 9.97% | 20th pct | 26th pct |
| Return on average assets | 0.26% | 25th pct | 13th pct |
| Net interest margin | 4.43% | 86th pct | 93th pct |
| Cost of funds | 0.96% | 53th pct | 41th pct |
| Loan-to-share | 62.02% | 52th pct | 41th pct |
| Delinquency 60+ days | 1.01% | 73th pct | 79th pct |
| Net charge-off ratio | 1.59% | 96th pct | 97th pct |
| Loan growth YoY | -0.11% | 64th pct | 49th pct |
| Share growth YoY | 9.24% | 95th pct | 92th pct |
| Efficiency ratio | 70.45% | 27th pct | 31th pct |
structural peer set hash: a784391b87bd95dd434e57a8df9c5e17… (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.