360
Charter #7723 · Windsor Locks, CT · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Net interest margin of 3.85% ranks in the 87th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.65% ranks in the 18th percentile among structurally similar credit unions — a relative strength.
- On Net interest margin, the asset-size band puts this credit union at the 63rd percentile but its structural peers at the 87th — a 23-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 | 360 | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $324.12M | 77th pct | 59th pct |
| Members | 18,826 | 73th pct | 62th pct |
| Net worth ratio | 9.38% | 19th pct | 36th pct |
| Return on average assets | 0.57% | 40th pct | 49th pct |
| Net interest margin | 3.85% | 63th pct | 87th pct |
| Cost of funds | 0.65% | 24th pct | 18th pct |
| Loan-to-share | 66.27% | 38th pct | 48th pct |
| Delinquency 60+ days | 0.60% | 49th pct | 48th pct |
| Net charge-off ratio | 0.20% | 31th pct | 31th pct |
| Loan growth YoY | -1.59% | 29th pct | 30th pct |
| Share growth YoY | 5.89% | 79th pct | 80th pct |
| Efficiency ratio | 85.92% | 75th pct | 57th pct |
structural peer set hash: d5989f03b1cf431a932e0471ebad0800… (reproducible)
Closest structural peers
This is the free public view
Claim 360
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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.