MEMBERSALLIANCE
Charter #81402 · Rockford, IL · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 9.02% sits at the 11th percentile of structural peers — worth a closer look.
- Cost of funds of 0.51% ranks in the 23rd percentile among structurally similar credit unions — a relative strength.
- On Members, the asset-size band puts this credit union at the 83rd percentile but its structural peers at the 64th — a 19-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 | MEMBERSALLIANCE | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $307.17M | 74th pct | 66th pct |
| Members | 22,003 | 83th pct | 64th pct |
| Net worth ratio | 9.02% | 14th pct | 11th pct |
| Return on average assets | 0.63% | 44th pct | 46th pct |
| Net interest margin | 3.83% | 62th pct | 46th pct |
| Cost of funds | 0.51% | 20th pct | 23th pct |
| Loan-to-share | 72.77% | 52th pct | 54th pct |
| Delinquency 60+ days | 0.48% | 40th pct | 36th pct |
| Net charge-off ratio | 0.55% | 70th pct | 62th pct |
| Loan growth YoY | 5.02% | 87th pct | 90th pct |
| Share growth YoY | 8.67% | 94th pct | 95th pct |
| Efficiency ratio | 80.80% | 58th pct | 54th pct |
structural peer set hash: 48157d573901c312c847d9709e44a0ab… (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.