Innorve

AFFINITY

Charter #857 · Basking Ridge, NJ · >$1B

Public 5300 data · as of 2026Q1

What the numbers say

  • Members of 245,563 ranks in the 79th percentile among structurally similar credit unions — a relative strength.
  • Net worth ratio of 8.14% sits at the 0th percentile of structural peers — worth a closer look.
  • Return on average assets of 0.19% sits at the 10th percentile of structural peers — worth a closer look.
  • Net interest margin of 2.79% sits at the 21st percentile of structural peers — worth a closer look.
  • Efficiency ratio of 86.54% sits at the 93rd 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.

MetricAFFINITYAsset-tier percentileStructural percentile
Total assets$4.40B77th pct72th pct
Members245,56378th pct79th pct
Net worth ratio8.14%4th pct0th pct
Return on average assets0.19%9th pct10th pct
Net interest margin2.79%17th pct21th pct
Cost of funds2.24%75th pct56th pct
Loan-to-share101.36%93th pct84th pct
Delinquency 60+ days0.72%60th pct62th pct
Net charge-off ratio0.36%29th pct39th pct
Loan growth YoY2.85%65th pct64th pct
Share growth YoY6.73%81th pct89th pct
Efficiency ratio86.54%93th pct93th pct

structural peer set hash: c73b4c1df716c1e6a6378b77f4284954… (reproducible)

Closest structural peers

SUMMIT60.9%
#67190 · WI
GREENSTATE59.2%
#60269 · IA
ELEVATIONS59.1%
#68565 · CO
AMERICU58.9%
#68433 · NY
JOVIA FINANCIAL58.6%
#2760 · NY
FOX COMMUNITIES58.2%
#66731 · WI
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.