WATER'S EDGE
Charter #8593 · Biloxi, MS · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 597 sits at the 10th percentile of structural peers — worth a closer look.
- Net worth ratio of 6.97% sits at the 3rd percentile of structural peers — worth a closer look.
- Cost of funds of 2.03% sits at the 84th percentile of structural peers — worth a closer look.
- Net charge-off ratio of -0.21% ranks in the 10th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 109.62% sits at the 75th 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.
| Metric | WATER'S EDGE | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $5.13M | 61th pct | 31th pct |
| Members | 597 | 51th pct | 10th pct |
| Net worth ratio | 6.97% | 3th pct | 3th pct |
| Return on average assets | -0.30% | 26th pct | 38th pct |
| Net interest margin | 3.96% | 48th pct | 36th pct |
| Cost of funds | 2.03% | 88th pct | 84th pct |
| Loan-to-share | 54.01% | 45th pct | 44th pct |
| Delinquency 60+ days | 1.10% | 55th pct | 41th pct |
| Net charge-off ratio | -0.21% | 10th pct | 10th pct |
| Loan growth YoY | -8.87% | 32th pct | 26th pct |
| Share growth YoY | -4.22% | 21th pct | 16th pct |
| Efficiency ratio | 109.62% | 81th pct | 75th pct |
structural peer set hash: e689f61a33a3639aaeeae4cdaa6ca0fe… (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.