LATITUDE 32
Charter #8059 · CHARLESTON, SC · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Cost of funds of 0.42% ranks in the 11th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 0.17% ranks in the 7th percentile among structurally similar credit unions — a relative strength.
- On Loan-to-share, the asset-size band puts this credit union at the 81st percentile but its structural peers at the 56th — a 26-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 | LATITUDE 32 | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $67.78M | 43th pct | 61th pct |
| Members | 6,323 | 71th pct | 56th pct |
| Net worth ratio | 14.76% | 68th pct | 56th pct |
| Return on average assets | 0.93% | 63th pct | 54th pct |
| Net interest margin | 4.52% | 88th pct | 67th pct |
| Cost of funds | 0.42% | 19th pct | 11th pct |
| Loan-to-share | 78.95% | 81th pct | 56th pct |
| Delinquency 60+ days | 0.17% | 18th pct | 7th pct |
| Net charge-off ratio | 0.26% | 51th pct | 43th pct |
| Loan growth YoY | 4.10% | 89th pct | 85th pct |
| Share growth YoY | 0.99% | 28th pct | 30th pct |
| Efficiency ratio | 75.59% | 38th pct | 52th pct |
structural peer set hash: ba24cb46aad9bfd3a5755eda5195c299… (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.