Innorve

SUNLIGHT

Charter #8733 · CODY, WY · $100M-$500M

Public 5300 data · as of 2026Q1

What the numbers say

  • Return on average assets of -0.09% sits at the 8th percentile of structural peers — worth a closer look.
  • Cost of funds of 1.80% sits at the 75th percentile of structural peers — worth a closer look.
  • Delinquency 60+ days of 2.34% sits at the 92nd percentile of structural peers — worth a closer look.
  • Net charge-off ratio of 0.58% sits at the 84th percentile of structural peers — worth a closer look.
  • Efficiency ratio of 102.36% sits at the 92nd 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.

MetricSUNLIGHTAsset-tier percentileStructural percentile
Total assets$216.89M55th pct56th pct
Members8,59922th pct39th pct
Net worth ratio11.51%51th pct61th pct
Return on average assets-0.09%6th pct8th pct
Net interest margin2.99%15th pct28th pct
Cost of funds1.80%81th pct75th pct
Loan-to-share69.90%46th pct38th pct
Delinquency 60+ days2.34%96th pct92th pct
Net charge-off ratio0.58%71th pct84th pct
Loan growth YoY-7.27%2th pct3th pct
Share growth YoY-0.79%6th pct10th pct
Efficiency ratio102.36%98th pct92th pct

structural peer set hash: c1d74b50e5372bc7d52b3810d7c9ef5a… (reproducible)

Closest structural peers

ST. FRANCIS X58.9%
#7219 · MI
ST. JEAN'S58.6%
#67959 · MA
ALTERNATIVES58.5%
#23283 · NY
MAINE HIGHLANDS57.8%
#17398 · ME
TREMONT57.7%
#68349 · MA
NORTH JERSEY57.1%
#1015 · NJ
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.