NORTH COAST CREDIT UNION
Charter #95786 · FAIRVIEW PARK, OH · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 41.80% ranks in the 85th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 100.10% sits at the 82nd percentile of structural peers — worth a closer look.
- On Total assets, the asset-size band puts this credit union at the 26th percentile but its structural peers at the 69th — a 43-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 | NORTH COAST CREDIT UNION | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $16.59M | 26th pct | 69th pct |
| Members | 1,466 | 23th pct | 57th pct |
| Net worth ratio | 41.80% | 100th pct | 85th pct |
| Return on average assets | 0.27% | 30th pct | 33th pct |
| Net interest margin | 4.23% | 69th pct | 46th pct |
| Cost of funds | 0.62% | 40th pct | 44th pct |
| Loan-to-share | 77.65% | 82th pct | 54th pct |
| Delinquency 60+ days | 1.71% | 81th pct | 62th pct |
| Net charge-off ratio | 0.06% | 43th pct | 46th pct |
| Loan growth YoY | -2.05% | 53th pct | 57th pct |
| Share growth YoY | 5.72% | 79th pct | 75th pct |
| Efficiency ratio | 100.10% | 89th pct | 82th pct |
structural peer set hash: 08f0e70e5528d02fe00106efd3258354… (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.