EM
Charter #7715 · MESA, AZ · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- On Total assets, the asset-size band puts this credit union at the 7th percentile but its structural peers at the 43rd — a 35-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 | EM | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $11.51M | 7th pct | 43th pct |
| Members | 2,174 | 54th pct | 62th pct |
| Net worth ratio | 15.68% | 64th pct | 56th pct |
| Return on average assets | 0.57% | 45th pct | 43th pct |
| Net interest margin | 4.23% | 69th pct | 44th pct |
| Cost of funds | 1.29% | 70th pct | 70th pct |
| Loan-to-share | 68.74% | 68th pct | 49th pct |
| Delinquency 60+ days | 0.50% | 46th pct | 46th pct |
| Net charge-off ratio | -0.01% | 20th pct | 30th pct |
| Loan growth YoY | 5.53% | 93th pct | 95th pct |
| Share growth YoY | -0.91% | 20th pct | 23th pct |
| Efficiency ratio | 86.42% | 65th pct | 67th pct |
structural peer set hash: b0d79b8e4578b0f7271915b65b2b6b60… (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.