GUERNSEY COMMUNITY
Charter #9501 · GUERNSEY, WY · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 250 sits at the 7th percentile of structural peers — worth a closer look.
- Return on average assets of 1.70% ranks in the 82nd percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 6.48% ranks in the 90th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 13.57% sits at the 98th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 0.00% ranks in the 20th percentile among structurally similar credit unions — a relative strength.
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 | GUERNSEY COMMUNITY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $1.82M | 27th pct | 13th pct |
| Members | 250 | 20th pct | 7th pct |
| Net worth ratio | 21.12% | 63th pct | 52th pct |
| Return on average assets | 1.70% | 86th pct | 82th pct |
| Net interest margin | 6.48% | 94th pct | 90th pct |
| Cost of funds | 1.63% | 81th pct | 66th pct |
| Loan-to-share | 101.92% | 94th pct | 82th pct |
| Delinquency 60+ days | 13.57% | 97th pct | 98th pct |
| Net charge-off ratio | 0.00% | 22th pct | 20th pct |
| Loan growth YoY | -3.30% | 59th pct | 39th pct |
| Share growth YoY | -1.32% | 38th pct | 28th pct |
| Efficiency ratio | 76.22% | 33th pct | 38th pct |
structural peer set hash: a2e2e5ab8903c1ab32e85c9d38f5d677… (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.