EXCEL
Charter #7825 · Norcross, GA · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 13.35% ranks in the 75th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 3.57% sits at the 23rd percentile of structural peers — worth a closer look.
- Cost of funds of 1.15% ranks in the 23rd percentile among structurally similar credit unions — a relative strength.
- On Cost of funds, the asset-size band puts this credit union at the 46th percentile but its structural peers at the 23rd — 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 | EXCEL | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $173.15M | 41th pct | 30th pct |
| Members | 10,387 | 34th pct | 38th pct |
| Net worth ratio | 13.35% | 73th pct | 75th pct |
| Return on average assets | 1.11% | 75th pct | 74th pct |
| Net interest margin | 3.57% | 45th pct | 23th pct |
| Cost of funds | 1.15% | 46th pct | 23th pct |
| Loan-to-share | 98.34% | 98th pct | 93th pct |
| Delinquency 60+ days | 0.68% | 56th pct | 56th pct |
| Net charge-off ratio | 0.29% | 42th pct | 46th pct |
| Loan growth YoY | 2.93% | 75th pct | 67th pct |
| Share growth YoY | 3.55% | 52th pct | 58th pct |
| Efficiency ratio | 82.00% | 62th pct | 51th pct |
structural peer set hash: 8d7a7c5fca43bb807d566a8c20420d8f… (reproducible)
Closest structural peers
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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.