OC
Charter #9208 · GARFIELD HTS, OH · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 13.42% ranks in the 80th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 2.07% sits at the 85th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 0.26% ranks in the 15th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.00% ranks in the 2nd percentile among structurally similar credit unions — a relative strength.
- On Members, the asset-size band puts this credit union at the 54th percentile but its structural peers at the 28th — 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 | OC | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $310.83M | 75th pct | 56th pct |
| Members | 14,084 | 54th pct | 28th pct |
| Net worth ratio | 13.42% | 73th pct | 80th pct |
| Return on average assets | 0.98% | 68th pct | 64th pct |
| Net interest margin | 3.66% | 50th pct | 34th pct |
| Cost of funds | 2.07% | 90th pct | 85th pct |
| Loan-to-share | 87.29% | 84th pct | 69th pct |
| Delinquency 60+ days | 0.26% | 19th pct | 15th pct |
| Net charge-off ratio | 0.00% | 6th pct | 2th pct |
| Loan growth YoY | 5.16% | 87th pct | 83th pct |
| Share growth YoY | 3.82% | 56th pct | 55th pct |
| Efficiency ratio | 74.35% | 35th pct | 28th pct |
structural peer set hash: 161a7cefca0f65c5d03666630f78095d… (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.