ELECTRICAL
Charter #8701 · ARVADA, CO · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 0.94% ranks in the 75th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.38% sits at the 77th percentile of structural peers — worth a closer look.
- Efficiency ratio of 72.83% ranks in the 16th percentile among structurally similar credit unions — a relative strength.
- On Total assets, the asset-size band puts this credit union at the 8th percentile but its structural peers at the 25th — a 17-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 | ELECTRICAL | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $53.23M | 8th pct | 25th pct |
| Members | 4,063 | 29th pct | 33th pct |
| Net worth ratio | 13.12% | 53th pct | 62th pct |
| Return on average assets | 0.94% | 64th pct | 75th pct |
| Net interest margin | 3.49% | 38th pct | 38th pct |
| Cost of funds | 1.13% | 63th pct | 67th pct |
| Loan-to-share | 53.75% | 38th pct | 46th pct |
| Delinquency 60+ days | 0.52% | 44th pct | 43th pct |
| Net charge-off ratio | 0.38% | 63th pct | 77th pct |
| Loan growth YoY | 0.21% | 67th pct | 67th pct |
| Share growth YoY | 2.53% | 46th pct | 48th pct |
| Efficiency ratio | 72.83% | 31th pct | 16th pct |
structural peer set hash: 6efde0e5a0f4cf40453d224c58a27724… (reproducible)
Closest structural peers
This is the free public view
Claim ELECTRICAL
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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.