ONE VISION
Charter #9097 · Clarksville, IN · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- On Net charge-off ratio, the asset-size band puts this credit union at the 47th percentile but its structural peers at the 72nd — a 26-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 | ONE VISION | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $65.89M | 39th pct | 44th pct |
| Members | 3,455 | 18th pct | 38th pct |
| Net worth ratio | 12.43% | 46th pct | 48th pct |
| Return on average assets | 0.50% | 39th pct | 44th pct |
| Net interest margin | 2.89% | 13th pct | 33th pct |
| Cost of funds | 0.98% | 55th pct | 54th pct |
| Loan-to-share | 39.36% | 13th pct | 20th pct |
| Delinquency 60+ days | 0.78% | 60th pct | 54th pct |
| Net charge-off ratio | 0.21% | 47th pct | 72th pct |
| Loan growth YoY | -0.57% | 59th pct | 66th pct |
| Share growth YoY | 3.34% | 57th pct | 61th pct |
| Efficiency ratio | 79.50% | 49th pct | 43th pct |
structural peer set hash: 59da177a78c73ef941913a813cbc59f6… (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.