CLASS ACT
Charter #9106 · Louisville, KY · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 1.33% ranks in the 93rd percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 0.40% ranks in the 18th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.82% sits at the 90th percentile of structural peers — worth a closer look.
- Efficiency ratio of 65.23% ranks in the 11th percentile among structurally similar credit unions — a relative strength.
- On Total assets, the asset-size band puts this credit union at the 82nd percentile but its structural peers at the 56th — 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 | CLASS ACT | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $352.29M | 82th pct | 56th pct |
| Members | 23,195 | 85th pct | 61th pct |
| Net worth ratio | 11.05% | 44th pct | 54th pct |
| Return on average assets | 1.33% | 84th pct | 93th pct |
| Net interest margin | 4.05% | 74th pct | 72th pct |
| Cost of funds | 1.37% | 59th pct | 57th pct |
| Loan-to-share | 76.48% | 59th pct | 48th pct |
| Delinquency 60+ days | 0.40% | 31th pct | 18th pct |
| Net charge-off ratio | 0.82% | 84th pct | 90th pct |
| Loan growth YoY | 1.59% | 63th pct | 54th pct |
| Share growth YoY | 4.94% | 70th pct | 72th pct |
| Efficiency ratio | 65.23% | 16th pct | 11th pct |
structural peer set hash: 682ba590b87220913b01bcfa32a77833… (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.