TOWER
Charter #8333 · LAUREL, MD · >$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 13.99% ranks in the 92nd percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 0.33% ranks in the 5th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.29% ranks in the 10th percentile among structurally similar credit unions — a relative strength.
- On Members, the asset-size band puts this credit union at the 75th percentile but its structural peers at the 59th — a 16-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 | TOWER | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $5.00B | 81th pct | 70th pct |
| Members | 218,540 | 75th pct | 59th pct |
| Net worth ratio | 13.99% | 89th pct | 92th pct |
| Return on average assets | 1.08% | 78th pct | 67th pct |
| Net interest margin | 3.49% | 59th pct | 62th pct |
| Cost of funds | 1.59% | 41th pct | 34th pct |
| Loan-to-share | 85.83% | 47th pct | 39th pct |
| Delinquency 60+ days | 0.33% | 18th pct | 5th pct |
| Net charge-off ratio | 0.29% | 22th pct | 10th pct |
| Loan growth YoY | 2.30% | 58th pct | 54th pct |
| Share growth YoY | 5.11% | 66th pct | 67th pct |
| Efficiency ratio | 69.29% | 39th pct | 46th pct |
structural peer set hash: f1bb5e59a4f2981061196de1f477e4ce… (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.