SERVICES
Charter #96066 · NAPERVILLE, IL · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 69.02% ranks in the 93rd percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 1.59% ranks in the 87th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 2.30% sits at the 8th percentile of structural peers — worth a closer look.
- Cost of funds of 2.89% sits at the 98th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 2.20% sits at the 76th percentile of structural peers — worth a closer look.
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 | SERVICES | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | 404,626 | 8th pct | 10th pct |
| Members | 2,736 | 99th pct | 59th pct |
| Net worth ratio | 69.02% | 99th pct | 93th pct |
| Return on average assets | 1.59% | 84th pct | 87th pct |
| Net interest margin | 2.30% | 10th pct | 8th pct |
| Cost of funds | 2.89% | 96th pct | 98th pct |
| Loan-to-share | 23.61% | 13th pct | 20th pct |
| Delinquency 60+ days | 2.20% | 70th pct | 76th pct |
| Net charge-off ratio | 0.00% | 22th pct | 20th pct |
| Loan growth YoY | -4.87% | 52th pct | 41th pct |
| Share growth YoY | 0.79% | 55th pct | 42th pct |
| Efficiency ratio | 36.89% | 4th pct | 5th pct |
structural peer set hash: 07dc8900415fdc60ac349288aa4d1767… (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.