MARISOL
Charter #9469 · Phoenix, AZ · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Net interest margin of 4.29% ranks in the 82nd percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 0.28% ranks in the 15th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.79% sits at the 90th percentile of structural peers — worth a closer look.
- On Net worth ratio, the asset-size band puts this credit union at the 57th percentile but its structural peers at the 74th — a 16-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 | MARISOL | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $50.05M | 0th pct | 10th pct |
| Members | 5,980 | 65th pct | 72th pct |
| Net worth ratio | 13.48% | 57th pct | 74th pct |
| Return on average assets | 0.34% | 31th pct | 33th pct |
| Net interest margin | 4.29% | 81th pct | 82th pct |
| Cost of funds | 0.49% | 23th pct | 26th pct |
| Loan-to-share | 65.49% | 58th pct | 54th pct |
| Delinquency 60+ days | 0.28% | 26th pct | 15th pct |
| Net charge-off ratio | 0.79% | 84th pct | 90th pct |
| Loan growth YoY | -2.38% | 40th pct | 34th pct |
| Share growth YoY | 1.71% | 37th pct | 38th pct |
| Efficiency ratio | 88.96% | 77th pct | 69th pct |
structural peer set hash: d2eb9da207624a1982a92add2757a2e3… (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.