PLUS
Charter #86756 · Las Vegas, NV · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Delinquency 60+ days of 0.18% ranks in the 21st percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.02% ranks in the 15th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 87.96% sits at the 77th percentile of structural peers — worth a closer look.
- On Members, the asset-size band puts this credit union at the 23rd percentile but its structural peers at the 41st — a 18-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 | PLUS | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $126.04M | 17th pct | 33th pct |
| Members | 8,717 | 23th pct | 41th pct |
| Net worth ratio | 12.44% | 63th pct | 54th pct |
| Return on average assets | 0.46% | 33th pct | 31th pct |
| Net interest margin | 3.05% | 17th pct | 28th pct |
| Cost of funds | 1.09% | 43th pct | 59th pct |
| Loan-to-share | 47.10% | 9th pct | 23th pct |
| Delinquency 60+ days | 0.18% | 12th pct | 21th pct |
| Net charge-off ratio | 0.02% | 9th pct | 15th pct |
| Loan growth YoY | 2.99% | 75th pct | 84th pct |
| Share growth YoY | 0.88% | 16th pct | 16th pct |
| Efficiency ratio | 87.96% | 80th pct | 77th pct |
structural peer set hash: 9935348303d17e8fb2a4155f4da1a22e… (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.