MARKET USA
Charter #9003 · LAUREL, MD · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 18.89% ranks in the 89th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 5.01% ranks in the 80th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 1.64% sits at the 89th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 1.95% sits at the 89th percentile of structural peers — worth a closer look.
- On Return on average assets, the asset-size band puts this credit union at the 57th percentile but its structural peers at the 39th — 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 | MARKET USA | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $141.44M | 26th pct | 43th pct |
| Members | 17,055 | 67th pct | 59th pct |
| Net worth ratio | 18.89% | 96th pct | 89th pct |
| Return on average assets | 0.80% | 57th pct | 39th pct |
| Net interest margin | 5.01% | 97th pct | 80th pct |
| Cost of funds | 1.15% | 46th pct | 56th pct |
| Loan-to-share | 77.31% | 61th pct | 54th pct |
| Delinquency 60+ days | 1.64% | 92th pct | 89th pct |
| Net charge-off ratio | 1.95% | 98th pct | 89th pct |
| Loan growth YoY | -1.31% | 32th pct | 36th pct |
| Share growth YoY | 1.95% | 27th pct | 16th pct |
| Efficiency ratio | 77.20% | 44th pct | 49th pct |
structural peer set hash: 90219b17b0eb71b19aa91d38f58b7d5a… (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.