Innorve

PATH

Charter #8118 · Jersey City, NJ · $10M-$50M

Public 5300 data · as of 2026Q1

What the numbers say

  • Return on average assets of -0.73% sits at the 3rd percentile of structural peers — worth a closer look.
  • Cost of funds of 2.35% sits at the 89th percentile of structural peers — worth a closer look.
  • Delinquency 60+ days of 2.35% sits at the 85th percentile of structural peers — worth a closer look.
  • Net charge-off ratio of 1.68% sits at the 97th percentile of structural peers — worth a closer look.
  • Efficiency ratio of 113.94% sits at the 98th percentile of structural peers — worth a closer look.

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.

MetricPATHAsset-tier percentileStructural percentile
Total assets$14.09M18th pct57th pct
Members1,44323th pct61th pct
Net worth ratio27.13%97th pct74th pct
Return on average assets-0.73%8th pct3th pct
Net interest margin4.81%88th pct72th pct
Cost of funds2.35%95th pct89th pct
Loan-to-share97.32%98th pct87th pct
Delinquency 60+ days2.35%89th pct85th pct
Net charge-off ratio1.68%93th pct97th pct
Loan growth YoY-1.02%62th pct52th pct
Share growth YoY12.64%98th pct98th pct
Efficiency ratio113.94%95th pct98th pct

structural peer set hash: 9de28ea82200e5c5231c9f920ab5a33f… (reproducible)

Closest structural peers

FEDERAL EMPLOYEES65.5%
#62929 · LA
T & P LONGVIEW65.4%
#6687 · TX
THE LOCAL63.8%
#22747 · TX
TENNESSEE RIVER63.6%
#14333 · TN
TXDOT63.3%
#67439 · TX
ENERGY PEOPLE61.6%
#13729 · NJ
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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.